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Business Efficiency Loan

Upgrade Your Facility with Low Cost Financing

Through the Business Efficiency Loan, commercial building owners can now take advantage of low interest rates and easy qualification standards to finance energy and water efficiency upgrades, in addition to solar PV.


  • Save money with lower utility bills
  • Lower maintenance costs
  • Improve employee productivity and comfort
  • Improve tenant retention
  • Reduce emissions


  • Fixed rates as low as 3.75 percent APR*
  • Flexible terms of 3, 5, 7 and 10 years
  • Minimum loan of $1,000**
  • A 2 percent fee applies to energy loans over $40,000
  • Loans can cover up to 100 percent of the project cost (less Efficiency Works rebates)
  • A $25 processing fee will be applied and all borrowers must become members of Elevations Credit Union


  • An active Fort Collins Utilities water or electric customer account in the name of the individual or legal business entity for the premise is required.
  • All upgrades must begin with a pre-approval from Efficiency Works.

Get Started

Begin by completing an application through Elevations Credit Union.

Upgrades require pre-approval from Efficiency Works.

*APR = Annual Percentage Rate. Actual APR will be determined when you apply and will be based on your application and credit information. Click here for additional rate information.
**Business energy loans over $40,000 may be variable rate, are underwritten on a case by case basis and may take longer to process. Business energy loans may exceed $150,000 with prior review.
***In order to qualify for Solar Photovoltaic and other renewable energy sources under this loan, borrowers must achieve 15 percent energy efficiency improvement to the property through the respective programs.

Note: Participants can only have one Business Efficiency Loan open with Utilities per premise. Multiple projects can be approved with different participating contractors and included in the loan. However, projects must be completed simultaneously.

Click 'Account Login' above to access online bill pay.

Efficiency Works for your business. Learn about Fort Collins Utilities' services and incentives.

Case studies demonstrate how Efficiency Works has helped local businesses save big on utility costs.

Tip #222

Install ENERGY STAR® roofing material with high reflectance to reduce cooling load.

More Tips

Fort Collins Utilities Non-Discrimination Statement

Fort Collins Utilities is an equal opportunity residential and commercial utility service provider. We do not discriminate in the terms, conditions or provision of services based on race, color, religion, sex, disability, familial status or national origin.

Fort Collins Utilities es una empresa proveedora de servicios públicos residenciales y comerciales con igualdad de oportunidad. No discriminamos en los términos, las condiciones o la provisión de servicios en base a raza, color, religión, sexo, discapacidad, estatus familiar o nacionalidad de origen.