Efficient equipment, lighting and HVAC can be financed and often pay back through lower utility bills.
Check my optionsRunning the business
Many sustainability upgrades, such as LED lighting, efficient HVAC, refrigeration controls and waste reduction, lower operating costs enough to pay for themselves. Those with measurable savings and reasonable payback periods are good candidates for financing.
Amount to request
$85,000.00
Funding range$25K to $5M
*Sample amounts shown. Your actual offer depends on your business and is reviewed before approval.
A human reads the file, not just an algorithm score.
You can apply at 500; stronger credit opens more products.
Your file goes to funders that fit it, so offers can be compared.
Existing balances of $100,000 or less can be bought out.
Fast decisions. Applying takes about 5 minutes.
A short application. A soft credit pull to start.
We review revenue, time in business and bank activity, not just a credit score.
You see the amount, the schedule and the full repayment amount before you sign.
Funding in as little as 24 hours for qualified businesses.
Start with an energy and waste review. Many utilities offer free or low-cost energy audits for small businesses and rebates for efficient equipment. Twelve months of utility bills, waste hauling invoices and supply costs show where savings are largest. Restaurants, grocers and manufacturers often find the biggest opportunities in refrigeration, cooking equipment and lighting.
Calculate payback for each upgrade. LED lighting retrofits often pay back relatively quickly through lower electricity bills and reduced maintenance. Efficient HVAC and refrigeration take longer but save more over their lives. Waste reduction and recycling programs can lower hauling costs. Divide the net cost after rebates by annual savings to estimate payback years.
Look for incentives. Utility rebates, state programs and federal tax incentives, including those expanded under the Inflation Reduction Act for certain energy property, can reduce net costs. Some states and localities offer Commercial Property Assessed Clean Energy (C-PACE) financing for qualifying building improvements, repaid through property assessments. Eligibility varies; confirm details with providers and a tax professional.
Match financing to payback. Upgrades that pay back within a year or two can be funded with short-term capital or equipment financing. Longer-payback projects fit equipment loans, C-PACE where available or utility on-bill financing programs. Avoid funding multi-year paybacks with short-term, frequent-payment products.
Customer and employee expectations add value that is harder to measure. Some customers and corporate buyers prefer suppliers with sustainability practices, which can support contracts and pricing.
MFE considers credit from 500 and can fund quick-payback upgrades such as lighting or controls when the savings are documented.
Here is short-term funding for a quick-payback efficiency upgrade. Illustrative numbers.
| Funding for the project | $75,000 |
| Total payback (factor 1.40) | $105,000 |
| Term | ~26 weeks |
| Payment per week | $4,038 |
| Monthly payment the project must cover | $17,487 |
| Your estimate of added monthly profit | $12,000 |
| Verdict | Does not pay back in time — reduce the amount or rethink |
Illustrative. Replace the estimate with your own numbers before applying.
| LED lighting | Often quick payback; short-term or equipment financing |
| Refrigeration controls | Moderate payback |
| HVAC replacement | Longer payback; equipment loan or C-PACE |
| Waste reduction | Lower hauling costs |
| Incentives | Utility rebates, state programs, federal credits |
Good fit:
Probably not yet:
Yes, especially those with measurable savings such as lighting and refrigeration.
Financing for qualifying building improvements repaid through property assessments, available in some areas.
Many utilities and states offer rebates; check local programs.
Net cost after rebates divided by annual savings.
Often lighting and controls.
Generally no; match the term to payback.
Some utilities and states offer rebates or grants; availability varies by location.
Example uses for illustration only.
Before you apply:
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding