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Missouri Energy Loan

Building Sector

Public schools (K-12), Public and Private Colleges and Universities, Local Governments, Public-Owned Airport Facilities (Municipal, County, Regional and International), Public Water and Wastewater Treatment Facilities, and Public and Private Not-For-Profit Hospitals

Energy Type

High efficiency lighting fixtures and lamps

High efficiency heating, ventilation and air conditioning system.

Combined heat and power systems

Renewable energy systems

Waste heat recovery

Energy efficient fine bubble diffusers and high efficiency pumps

Building shell improvements, such as insulation and other infiltration measures

Other measures that reduce energy use and cost

Financial Incentives



Missouri Department of Natural Resources

Program name

Missouri Energy Loan Program

Program summary

The Energy Loan Program provides loan financing to eligible recipients for energy-saving investments to reduce energy use and cost. It is administered by the Missouri Department of Natural Resources Division of Energy.


Applicable building size


  • Loan financing to eligible recipients for energy-saving investments to reduce energy use and cost. Eligible recipients impacted by severe weather events or catastrophic equipment failure may apply for low-interest emergency loans year-round.

  • Applications must be submitted within two months of the weather event or catastrophic equipment failure.

  • Loans can provide financing for replacing or upgrading damaged equipment.

  • Loan cycles and time for submission of applications is announced in the Missouri Register, through news releases, electronic mail announcements, the department’s website and links to stakeholder groups.

  • Interest rates are set at below market rates – typically from 2-4% simple interest.

  • The terms of loan repayment are typically 10 years or less.

  • This is a reimbursement program. Once a project is complete, the loan recipient will submit Reimbursement Request and Final Project Cost Report forms, itemized invoices and canceled checks to the Energy Loan Program Clerk for review and reimbursement.

  • Recipients of loan financing are determined on a competitive basis.

  • Applications are ranked based on the project’s payback score, which will be determined by dividing the cost to implement a project by the estimated yearly energy cost savings.

  • Projects with the lowest payback will be funded until all available funds are allocated.

Additional information
  • Advantages.

    • Loan recipients will benefit from reduced energy cost and increased comfort of building occupants.

    • Loan financing frees up tax dollars that recipients can use for essential services or other capital improvements.

    • Loan recipients repay the loan with money saved on energy costs as a result of implementing energy-efficiency projects.

    • An energy-saving loan for schools and local governments is not defined as debt and therefore does not count against debt limits or require a public vote or bond issuance.

  • Ownership types or organizations are best suited for the program. Non-profit and special use; industrial; institutional; multifamily; commercial office/retail.

  • Program fit for customer. You want to reduce utility bills, improve cash flow, lower capital costs, extend capital budgets, increase property value, make your building or project more sustainable.

Take action

Visit Energy Loan program website.

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