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    Heat Pumps
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    Tankless Water Heater
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    Indirect Water Heater
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    Central Air Conditioning
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    Air / Duct Sealing
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    Caulking, Weatherstripping
  • 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


Save energy and money by improving your investment property's energy efficiency with low-cost financing

Making your property more weathertight and energy efficient will assist you in attracting tenants, reducing the property’s energy consumption, and lowering utility bills.

Loans may be for $3,000 to $40,000 and funding will be used for conducting qualified improvements/equipment replacements. Non-listed work directly related and necessary to the installation of the listed qualifying measures may be financed along with the qualifying measure at the applicable interest rate (capped at 20% of the total loan amount).

Loan Terms:

$3,000 to $40,000 loan amount
4.49% - 6.99% interest rate
5-12 year repayment term


Applicants must own a single or 2-4 family home (includes condos, mobile homes, and vacation homes) in the State of Connecticut.
Projects that are under way or completed will not qualify for financing. Please do not schedule your project until after you have received your loan documents.

Participating Contractors

Participating Contractors List

Eligible Improvements

Detailed listing of Eligible Improvement Measures

Apply for a Loan

Please call (855) 656-5500 for a C4C Landlord Loan.

Apply Now

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