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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, 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 Connecticut's homeowners to decrease and stabilize household utility costs and to aid Connecticut 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 can offer financing to homeowners for implementing qualified energy-efficiency improvements. Up to 100% financing of eligible products is available, depending on loan product choice and borrower qualifications.

  • Compare All Energy Loans

    Smart-E Loan
    Heating Loan
    HES Payment Plan
    (Micro Loan)
    C4C Landlord Loan
    Interest Rate 4.49% - 6.99% 0.99% 0% 4.49% - 6.99%
    Repayment Plan 5-12 years 3-10 years 3 years 5-12 years
    Payments may be added to electric bill Eversource Only Required Required Eversource Only
    Eversource / UI Electric Customers Only NO YES YES NO
    Underwriting Basis Credit Report Utility History Utility History Credit Report
    Minimum FICO 580 N/A N/A 660
    Debt to Income Ratio Maximum
    *waived for higher credit scores
    50%* N/A N/A 50%*
    Minimum Loan Amount $500.00 $1 350.00 $500.00 $3 000.00
    Maximum Loan Amount $40 000.00 $15 000.00 $3 000.00 $40 000.00
    Owner-Occupancy Required YES NO NO NO
    CT Residency Required YES NO NO NO
    Income Limit Applies NO NO NO NO
    Eligible Improvements See Table Heating System See Table See Table
    HES Assessment Required NO NO YES NO
    Downpayment Required NO YES NO NO
    Fees NO NO NO UCC Fee $50
    Prepayment Penalty NO NO NO NO
    Security Unsecured Unsecured Unsecured UCC Filing


To apply to be a participating C4C Contractor, please download the application, complete it and return it to or fax it to (860) 233-3920.


Please call us at (855) 656-5500, or email us at

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