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Energy Efficiency Loans

Putting significant, long-term savings within reach for commercial,
industrial, and nonprofit businesses and governmental entities

Up to 100% financing for projects ranging from $20,000 to $5 million

Pathway Lending operates a low-interest, revolving loan fund to finance energy efficiency and renewable energy projects in Tennessee. To date, we have funded more than 200 projects throughout the state.

Why use Pathway Lending for your energy efficiency project?

Traditional financing sources often will not lend for energy efficiency projects because such projects are outside of the institution’s knowledge base, and adequate collateral is not available.

What kind of projects can be completed with a Pathway Lending Energy Efficiency Loan?

Pathway Lending can finance any investment in a fixed asset that provides significant reductions in energy, emissions, and/or utility consumption.

Common projects we fund include:

  • Lighting
  • Solar
  • HVAC Replacements
  • Cool Roofs
  • Air Compressors

We have different rates and terms based on your type of organization – here is how it works:

BUSINESSES & NONPROFITS VERSUS GOVERNMENTAL ENTITIES

EE Loans for Businesses and Nonprofits

We offer energy efficiency loans to industrial, commercial, and private non-profit facilities located in the state of Tennessee. Program features include:

  • Below market rates
  • 2% rate for 5 years or 5% rate for 10 years
  • Interest-only draw period
  • 100% Financing

Key Markets:

  • Private, locally-owned industrial businesses
  • Hotels
  • Auto dealerships
  • Athletic/community centers (both for-profit & non-profit)

 

Apply for an Energy Efficiency Loan

EE Loans for Governmental Entities

We offer energy efficiency loans to local governments.
Program features include:

  • Below market rates
  • 2% rate for 6-year capital outlay notes
  • Annual payments
  • 100% financing

Key Opportunities:

  • School systems
  • Jails and hospitals
  • Water treatment facilities
  • Street lighting

 

Apply for an Energy Efficiency Loan

PATHWAY LENDING’S ENERGY EFFICIENCY BLOG FEED:

Energy series: Green Schools

Energy Efficiency trending in schools

Why more educational institutions are going Green Classes are officially in session for the new school year, and students and faculty are off to a bright start…with energy efficiency that is! Investing in energy efficiency has become the newest trend for educational institutions across the country with hopes of reducing utility costs, creating healthier learning Read more
Success Story: The Catering Companies & Bell Mill Mansion

Success Story: The Catering Companies & Bell Mill Mansion

Solar farm at event hall marries lower energy bills and environmental stewardship Tara Plumlee grew up in the food industry – helping at her father’s barbecue restaurant from the age of 13. After trying her hand at owning and operating a restaurant, she started The Catering Companies in Chattanooga to give her a more flexible schedule Read more
Success Story: Urban Story Ventures

Success Story: Urban Story Ventures

Developers use energy efficiency loan program to upgrade historic buildings in Chattanooga’s Innovation District “The best way to explain what we’re doing with these old buildings is that we’re taking a horse and carriage and turning it into a Tesla,” says Jimmy White, President of Urban Story Ventures in Chattanooga. “Looking at the numbers, these Read more
Client Success Story: Knoxville Racquet Club

Success Story: Knoxville Racquet Club

Serving up major energy savings with lighting upgrades at Knoxville Racquet Club The Knoxville Racquet Club, the largest tennis, swim and fitness facility in East Tennessee, opened its doors in 1961. Overlooking the city of Knoxville and the Smoky Mountains, the 32-acre campus features a large  competitive swimming pool, a 1,500 square foot fitness area, Read more
On-Bill Financing to pay for energy projects

EE Financing: On-Bill Financing

How to use On-Bill Financing to pay for energy efficient and renewable energy projects Education is central to our mission at Pathway Lending. That’s why we’ve written this 8-part blog series to cover all the different ways to pay for energy and water efficiency projects. Today’s article is a brief introduction to On-Bill Financing and Read more
Energy Loan Client Success Story: Christ Presbyterian Academy

Success Story: Christ Presbyterian Academy

Independent school and church find the bright side of energy upgrades Founded in 1981, Christ Presbyterian Church has more than 2,500 members in the Nashville area and opened the doors of Christ Presbyterian Academy in 1985. The private school now has around 1,300 students and 200 staff members in its four schools spanning preschool to Read more
Energy Services Agreement financing

EE Financing: Energy Services Agreement

How to use an Energy Services Agreement to finance energy efficiency projects Looking for ways your business or nonprofit can afford your energy efficiency upgrades or retrofits? You’ve come to the right place! Here at Pathway Lending we’re able to offer 2% rates on our energy efficiency loans, but you and your clients should be Read more
ESPC financing

EE Financing: Energy Savings Performance Contracts

How Energy Savings Performance Contracts can pay for your client’s energy efficiency upgrades As part of our Energy Efficiency Loan Program, we’re exploring 8 ways businesses, nonprofits, and local governments can pay for energy efficiency improvement projects. In this article, we’re discussing how to use Energy Savings Performance Contracts to pay for energy upgrades. Energy Read more
Energy success story: 3102 West End Condominium Owners Association (Johnny Epstein, president)

Success Story: 3102 West End Circle Condominium Owners’ Association

HOA sees big ROI from energy upgrades After more than a million dollars of flood damage from frozen pipes in the winters of 2014 and 2016, the homeowners’ association at Nashville’s Artie Lee + Ruby May Condos faced soaring insurance premiums and growing repair bills. After hearing about the temperature control issues in the two Read more
Municipal Leasing: EE Project Financing

EE Financing: Municipal Leasing

How governmental entities can lease energy efficient equipment to make upgrades In our energy project financing series, we last covered Commercial Leasing as a way for private companies and nonprofits to fund energy efficiency projects. This article will cover Municipal Leasing, or energy efficient equipment leasing for local governments. Municipal leasing is a common mechanism used Read more
Using commercial leasing to pay for energy efficiency upgrades

EE Financing: Commercial Leasing

Leasing commercial equipment to pay for energy upgrades for your business or nonprofit In this blog series, we’re giving an overview of different ways you or your clients can pay for energy efficient upgrades to businesses, nonprofits, or governmental entities. So far we’ve covered using the operating budget and commercial loans. This article is an Read more
USing your budget to fund an energy efficiency project

EE Financing: Budget (or “self-pay”)

Using your operating budget to fund energy upgrades for your business or nonprofit If you’re researching energy efficiency upgrades for your business or nonprofit, chances are your first question is “how are we going to pay for it?” As a nonprofit lender, education is a critical part of our mission, so we’ve launched this EE Read more
Energy Success Story: Albahealth

Success Story: Albahealth

Rural manufacturer finds ‘sew’ many savings with energy efficiency upgrades Located in rural Rockwood, Tennessee, Albahealth is the largest manufacturer of “patient safety footwear” in the world. While those thick socks with the rubber pattern on the sole is their main product, they knit and dye a variety of disposable medical apparel, including compression sleeves Read more
Commercial Loans to finance energy upgrade

EE Financing: Commercial Loans

Using a commercial loan to fund energy upgrades for your business or nonprofit When it comes to installing energy efficient or renewable energy upgrades in a business, nonprofit, or governmental entity, the first question is inevitably “how are we going to pay for it?” Education is a critical part of our mission here at Pathway Read more
Energy Project Financing Options: Overview

Financing Options for Energy Improvement Projects

New Blog Series: Energy Efficiency Project Financing Options for Businesses, Nonprofits, and Local Governments If you’ve read through our Energy Efficiency Loan Program page, you already know that Pathway Lending’s EE Loan program is tough to beat. Thanks to a program partnership with the State of Tennessee and Tennessee Valley Authority, we’re able to offer Read more
Crown College Energy Efficiency Project Success Story

Success Story: Crown College

Advancing a mission of stewardship by investing in energy efficiency The Crown College of the Bible is a private, nonprofit Christian college located in East Tennessee. Since opening its doors in 1991, the college has grown to an enrollment of more than 800 students in various fields of study through in their School of Ministry, Read more
REAP Grant Deadline

Apply for USDA REAP Energy Grant by March 31

Guaranteed loan financing and grant funding to agricultural producers and rural small businesses The next application deadline for Rural Energy for America Program (REAP) grants is Friday, March 31, 2017. This program provides loan financing and grant funding to rural small businesses and agricultural producers to install or purchase renewable energy systems and make energy Read more
EE Success Story: MIG

Success Story: Manufacturers Industrial Group (MIG)

Rural manufacturer scores major savings and employee kudos with energy efficiency loan Manufacturers Industrial Group (MIG) is a full service contract manufacturer primarily producing automotive seat subassemblies, components and hardware. With more than one millions square feet of floor space across their facilities in Lexington, Chattanooga, and Athens, energy efficient lighting presented a tremendous opportunity Read more
YMCA of Memphis & the Mid-South indoor pool dehuidifier

Client Success Story: YMCA of Memphis & the Mid-South

West Tennessee YMCA Furthers Its Mission with Energy Efficient Upgrades The YMCA of Memphis & the Mid-South is a long-time community leader with a truly modern point of view. With a large and diverse portfolio of buildings throughout Shelby County and surrounding communities, The Y has made infrastructure modernization, including energy efficiency, a priority. The Read more
Client Success Story: Wade's Food Center

EE Success Story: Wade’s Food Center, Inc.

Started in 1917, Wade’s Food Center, Inc. has evolved from a hardware and grocery store on the square in Decatur to more than a dozen grocery and hardware stores across East Tennessee and Georgia. Along with their stores, the Wade family has been a fixture in rural Tennessee since well before Willis Wade opened his Read more

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