NH BFA Business Energy Loan

The New Hampshire Business Finance Authority's Business Energy Loan program sits inside New Hampshire's quasi-public finance authority and serves both for-profit and nonprofit businesses in the state. It is a direct lending route rather than a grant line, and the published terms frame it as capital for energy-saving projects with repayment matched to the savings the project is expected to produce. Loans run from $100,000 to $1 million, with exceptions possible, and the program uses commercial-rate pricing. Applicants need a third-party energy audit, financial statements for underwriting, and a repayment capacity that fits the project. Residential real estate is excluded, no application fee is charged, and the program can reach borrowers that want to improve energy efficiency without taking on conventional unsecured project debt. The fit is strongest for New Hampshire operators with a defined capital project and a credible savings model. The authority's position is practical rather than promotional: it underwrites the asset, checks the savings case, and aligns repayment to that case instead of judging a competitive pool. That makes the program a finance tool for efficiency upgrades, not a subsidy for early-stage experimentation.

Each grant below is a distinct funding opportunity with its own eligibility, scope, and deliverables.