Clean Energy Advantage Loan Program

Get affordable financing for air conditioning, heating, insulation, windows, and other energy upgrades with 0% APR for your first 24 months, then reduced rates after—loan amounts range from $3,000 to $50,000 with flexible 3- to 10-year terms. You must combine your loan with your utility's rebate program (Home Performance with ENERGY STAR, Home Energy Improvement Program, or HVAC rebate) and use an approved contractor; credit scores as low as 580 may qualify. Start by identifying your utility provider (BGE, SMECO, Potomac Edison, Delmarva Power, Pepco excluding Montgomery County, or Washington Gas), finding a participating contractor, and discussing your project with them.

Partner with this program to offer customers attractive 0% APR financing for the first 24 months on energy-efficiency projects, making your services more accessible and competitive. Your customer's loan must be coordinated with their utility's rebate program (HPwES, HEIP, or HVAC rebate), you must be an approved contractor for the customer's utility, and loan amounts available are $3,000–$50,000 per address while funds last. The program has financed over $5.1 million across 460+ loans since 2022, demonstrating strong market demand.

The Clean Energy Advantage Loan Program, administered by the Maryland Clean Energy Center and Montgomery County Green Bank under Maryland Public Utilities Commission authorization, provides 0% APR financing for 24 months (then 50% rate reduction, with secured rates as low as 4.99% or unsecured as low as 7.99%) on residential energy improvements. Eligible borrowers are Maryland residents served by six major utilities, with credit scores as low as 580, loan amounts from $3,000–$50,000 per address, and flexible 3–10-year terms; all projects must be coordinated with utility rebate programs and use approved contractors. Since 2022, the program has deployed over $5.1 million across 460+ loans, generating 1.2 million annual kWh in energy savings and 2,100+ FTE job hours.