Pathway Energy Efficiency Loan Program
Administered by: Pathway Lending Community Development Financial Institution
Quick Summary
Pathway Lending offers below-market loans—as low as 4% for 5 years or 6% for 10 years—to finance energy efficiency and renewable energy projects up to $5 million, with 100% financing available to cover equipment, installation, design, and assessments. You can apply if you're a Tennessee business, nonprofit, or governmental entity with a project that reduces utility consumption across electric, gas, or water; local governments must provide a third-party energy audit or vendor proposal showing estimated savings. The loan structure is designed so that energy cost savings repay the debt, improving your operating costs and cash flow.
AI-generated summary • Updated 7/12/2026
Program Details
- Program ID
- 4328
- Effective Date
- 8/1/2010
- Last Updated
- 1/2/2026
Eligibility
Incentive Amount
Varies
Program Summary
Pathway Lending's Energy Efficiency Loan Program provides Tennessee business and non-profit entities with below-market loans for energy efficiency and renewable energy improvements. All costs related to the efficiency measures may be financed, including assessments, design, equipment, and installation. Any project that reduces utility consumption, across electric, gas, or water, may apply for financing through this program. The loans are designed to allow for energy cost savings derived from each project to provide the repayment of the loan.
Starting in 2016, EELP began offering up to six years of financing for qualified energy efficiency and renewable energy projects to Tennessee local governmental entities, including municipalities, counties, school districts, and other similar public agencies. To be eligible for a loan, a governmental entity must have a complete third-party energy audit, assessment, or vendor proposal that details estimated energy savings.
Contact & Resources
Please verify current program details with the administering agency before making any financial decisions.