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Join the C4C team and become a Participating Contractor

For over 35 years, Capital For Change (C4C) has been Connecticut's premier energy conservation lender, providing low-cost financing through various programs for local contractors to conduct energy efficient property improvements. Since 1979, C4C has offered the state's Energy Conservation Loan Program and Multifamily Energy Loan Program, delivering over $100 million in financing. As of June 1, 2011, C4C also began offering the HES Residential Financing sponsored by the CT Energy Efficiency Fund. This financing allows energy efficient home improvements to assist CT's homeowners to decrease and stabilize household utility costs and to aid CT contractors in obtaining and providing jobs, as well as improving the environment.

C4C recognizes that providing lower-cost financing through lasting and productive relationships with qualified contractors will increase program performance and customer satisfaction. Therefore, C4C has developed a statewide network of qualified contractors that can use the loan programs offered by C4C to develop new business opportunities. Contractors that qualify as a C4C Contractor will be authorized to perform work financed by CT Energy Efficiency Residential Financing and Energy Conservation Loans, as well as other C4C financing programs.

You may potentially Increase your Sales of Energy Efficiency Home Improvements!

C4C participating contractors in the home services, HVAC, energy, remodeling, electrician and plumbing industries can offer HES Residential Financing to homeowners for implementing qualified energy efficiency improvements (measures) that are recommended by a Home Energy Solutions (HES) energy assessment, with 100% financing available for qualified improvements as approved by Eversource (formerly CL&P) and United Illuminating. These may include: Heating and Air Conditioning systems, Water heaters, Windows, Insulation, and Geothermal and other qualified renewable energy systems.

CT Energy Efficiency Financing offers:

  • $1,000 to $40,000 - Larger loans may be considered
  • Unsecured - No lien or mortgage on the Borrower's home, No home equity needed
  • Low, fixed interest rates - Lower, fixed rates means lower, fixed monthly payments
  • Terms up to 12 years - No prepayment penalty
  • No Costs or Fees - To the customer or to the contractor
  • Quick turnaround and service - worry about the job, not the loan

CT Energy Conservation Loans offer:

  • $400 to $25,000
  • Secured Loan - NO Home Equity requirement to qualify
  • Low, fixed interest rates - Lower, fixed rates means lower, fixed monthly payments
  • Terms up to 10 years - No prepayment penalty
  • Quick turnaround and service - worry about the job, not the loan

To apply to be a participating C4C Contractor, please download the application, complete it and return it to the following address: 121 Tremont Street, Hartford CT 06105.


Please call us at (800) 992-3665, or (860) 233-5165, extension 2002, or email us at

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