Multifamily Navigator Pre-Development Energy Loan Program

The Navigator Pre-Development Energy Loan provides unsecured financing to cover up to 80% of planning and design costs for energy upgrades at your multifamily property (5+ units), including audits, engineering, permitting, and legal fees—helping you move from concept to funded construction project. Both market-rate and income-eligible properties can apply, along with nonprofits, co-ops, and senior living communities.

This program creates customer financing for the pre-development phase, allowing property owners to afford comprehensive energy assessments, design services, and bid preparation before committing to construction—expanding your pipeline of qualified energy retrofit projects. You work with owners and their selected technical service providers; the loan finances 80% of eligible costs for analysis, design, and project finance activities.

The program is an unsecured pre-development loan product administered by Inclusive Prosperity Capital, targeting multifamily properties with 5+ units (income-eligible and market-rate, including nonprofits and public housing authorities). It finances up to 80% of qualifying pre-development costs—energy benchmarking, audits, engineering, design, permitting, and project financing—with broader eligibility (80% of all costs) for high-performance standards like Passive House certification, narrower eligibility (energy and health/safety-related costs only) for other projects.