SMUD - Commercial Energy Efficiency Loan Program

June 03, 2022


Sacramento Municipal Utility District offers low-interest loans to help commercial customers finance energy efficient equipment in eligible facilities. Generally, loans are extended to vested owners of a property. The applicable interest rate is currently at 6.99%; however this may be subject to change. Customers have up to ten years to repay the loan. Call 916-732-5472 to verify interest rate offer. A loan application fee of $100 will be charged for all applications. SMUD will return this fee if they decline the application. SMUD will prepare loan documents for signature immediately upon approval of the financing. Upon SMUD's approval, the loan commitment is valid for 180 days. Within this 180-day period, the product(s) must be installed and SMUD notified of the installation's completion.

More information regarding loan application process, loan payment options, or fees can be found on the program web site listed above. Grow Sacramento Fund loans are also available to SMUD customers.  While these loans are not focused on renewable energy or energy efficiency, the funds can certainly be utilized to finance energy saving measures for small businesses.

Program Overview

Implementing Sector: Utility
Category: Financial Incentive
State: California
Incentive Type: Loan Program
Web Site:
Administrator: Sacramento Municipal Utility District
Start Date:
Eligible Renewable/Other Technologies:
  • Refrigerators/Freezers
  • Lighting
  • Heat pumps
  • Air conditioners
  • Processing and Manufacturing Equipment
  • Other EE
  • LED Lighting
  • Commercial Refrigeration Equipment
Maximum Loan: Up to $10,000
Loan Term: Repayment: 10 years
Interest Rate: 6.99%


Name: Commercial Contact Center
Organization: Sacramento Municipal Utility District
Address: 6201 S Street
Sacramento CA 95852-1830
Phone: (187) 762-2768

This information is sourced from DSIRE; the most comprehensive source of information on incentives and policies that support renewables and energy efficiency in the United States. Established in 1995, DSIRE is operated by the N.C. Clean Energy Technology Center at N.C. State University.