Lending Center

Our Lending Center offers financing to residential property owners for rehabilitation and energy efficiency projects and to businesses for energy related improvements. As a non-profit organization, CEE provides loan services for many partnering cities, utilities, the Minnesota Housing Fix-Up program, and offes programs tailored to meet a wide variety of financing needs. 

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Residential Loan Programs 

We finance loans for:

  • Energy efficiency projects (such as a new furnace or AC, insulation, windows, solar, etc.)
  • Home improvements (such as a kitchen/bath remodel, exterior improvements like siding or a new roof, etc.).
  • Solar projects for Minnesota homeowners who want to increase the energy efficiency of their homes using photovoltaic (PV) solar technology.
  • Geothermal projects for Minnesota homeowners who choose ground or air source heat pumps to heat and cool their homes. 
  • CEE also has unsecured loans for virtually any home improvement project.

Additionally, we support several metro-area cities who provide loan, grant and down payment assistance programs for their residents.

Rental Loan Programs

We can help rental property owners create a more efficient rental property by providing financing up to $20,000 for energy efficient projects. Qualified projects include new furnace, air conditioning, insulation, windows, and hot water heaters all with a low 5.5% interest rate. 

Commercial Loan Programs  

Businesses, including non-profit agencies, can obtain financing from CEE to make cost-effective energy efficiency improvements, such as HVAC controls and upgrades, replacement or upgrade of refrigeration equipment, plus more!


Find Financing & Incentives in your area

Award Winning Financing

CEE has been recognized as an outstanding lender from the Minnesota Housing Finance Agency nine times over the past decade, including the Community Outreach Award, Outstanding Lender Award in Home Improvement and Excellence in Development of Housing Choices Award.