Energy Efficiency Loans

Loans that move businesses forward by cutting operating costs, improving cash flow, and boosting your bottom line. Our low-interest loans overcome the upfront barriers to implementing energy efficiency and renewable energy projects in Tennessee.

Why use Pathway Lending for your energy efficiency project? Up to 100% financing for projects ranging to $5 million

With over 200 projects financed, Pathway Lending is the leader in Energy Efficiency & Renewable Energy financing in Tennessee. Common projects we fund include lighting, solar, HVAC replacements, cool roofs and air compressors.

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

EE Loans for Businesses and Nonprofits

We offer energy efficiency loans to industrial, commercial, and private non-profit facilities. Key markets include private, locally-owned industrial businesses, hotels, auto dealerships, athletic & community centers.

Program features include:

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

EE Loans for Governmental Entities

We offer energy efficiency loans to local governments. Key opportunities for school systems, jails and hospitals, water treatment facilities and street lighting.

Program features include:

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


Energy Efficiency On The Blog

The Economic Opportunity of Energy Efficiency

Growing numbers of businesses across the United States are investing in energy efficiency. These efforts mean more than just energy savings – they can generate economic opportunity as well. A recent study from the American Council for an Energy Efficient Economy (ACEEE) shows the potential large-scale impact investments in energy efficiency can have on a

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

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