Commercial Financing for Contractors | Michigan Saves

Commercial Financing for Contractors

Whether a commercial operation is large or small, charitable, industrial, or otherwise, we enable energy financing that helps slash commercial building and operating expenses.

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We offer eligible commercial customers—including businesses; nonprofits; multifamily and public-sector properties, such as municipal office buildings and public schools; and other commercial facilities—a wide array of financing options on prequalified energy measures or improvements recommended by an authorized energy auditor. Our authorized commercial lenders provide this financing at a low cost to you through a simple process.

Commercial Financing Process


Provide your estimate to the customer


Instruct the customer to apply directly with one of our commercial lenders


Make the energy improvements after the customer’s financing application is approved and booked


Log in to your NGEN account and fill out a quick project closeout

After these steps have been completed, you can expect final payment from the lender, which will be disbursed directly to you! (Most lenders will prefund a portion of the project upon request—tap individual lenders for details.)

Participating Commercial Lenders and Offerings

We’re proud to partner with commercial lenders that share our high customer service standards and can help finance your customers’ energy improvement projects, both large and small.

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Amount: $250,000 and up

Rates: Starting at 6.50% APR

Terms: Up to 144 months

Prefunding: Up to 50%

Based on credit

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Team Financial Group

Amount: $5,000 and up

Rates: Starting at 7.25% APR

Terms: Up to 84 months

Prefunding: Up to 75%

Based on credit


Special Offers

 It’s a simple equation—low interest rates equal greater sales for your business. Michigan Saves contractors who maximize our utility incentives close more sales at higher values. We’re offering 0% APR for commercial customers in DTE, Consumers Energy, or SEMCO service territories working on eligible improvements. We’ve helped hundreds to finance their commercial building HVAC systems, insulation, lighting, and other projects. You won’t want to miss this chance.

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