Join Our Lender Network and Gain Access to Michigan’s Growing Clean Energy Market

Thanks to our partnerships with lenders across Michigan and the nation, we can offer favorable, low-interest financing to borrowers for energy efficiency and renewable energy improvements they want and need.

Two solar panel contractors installing a solar panel on a roof

Together with our networks of lenders and contractors, as well as utilities and government agencies alike, we accelerate demand for energy efficiency and renewable energy upgrades by educating and providing Michigan energy users with easy, affordable financing options to pay their contractors.

After more than a decade of successfully leveraging private dollars to build our financing programs, we are continually adding features and growing our contractor base so that even more Michiganders can benefit from improved health and safety, more comfortable spaces, and smaller utility bills.

Benefits for Lenders

For residential and commercial lenders who are interested in offering competitive rates and terms, share our high standards of service and community involvement, and have a vested interest in accelerating Michigan’s clean energy future, here are just a handful of our network’s benefits:

  • Access to the growing, high-potential market for energy efficiency and renewable energy in Michigan
  • Added value for your members, including competitive rates and terms, tools to ensure greater health and safety protections, and money and energy savings
  • Access to new members and cross-selling opportunities with responsible individuals committed to financial and environmental stewardship
  • Exclusive access to our extensive contractor network
  • A partnership with a reputable, member-centric organization that offers a unique financing solution to help borrowers reduce their energy footprint
  • Access to utility- and contractor-funded interest rate buydown programs
  • Protection for residential lenders from unnecessary risk through sophisticated credit enhancements

Residential Lending by the Numbers

Residents served

Amount financed


Leverage ratio*


*Every dollar we hold in reserve translates into at least $30 of private investments.

Default rate


Become a Michigan Saves Authorized Lender

We’re always exploring potential lenders to join our network to ensure the best possible financing options of our borrowers. When partnering with lenders, some areas of priority include:

Residential lenders:

  • Excellent customer service and the capacity to meet additional loan volume
  • A presence and coverage in the Upper Peninsula
  • The ability to serve low- to moderate-income and underserved markets
  • The ability to offer contractor-funded interest rate buydowns for a promotional period that rolls into the standard rate for the remaining term
  • The ability to meet or exceed the current network of lender’s offerings, including 15-year terms
  • $50,000 loan amount maximums
  • Competitive interest rates

Commercial lenders:

  • Excellent customer service and the capacity to meet additional loan volume
  • A Michigan presence
  • Quick application review and decision (within hours)
  • The ability to meet or exceed the current lender network offerings
    • Competitive interest rates
    • Terms longer than 84 months

If your lending institution is interested in joining the Michigan Saves lender network, contact us. Someone from our team will be in touch!

Lenders in the Program

Residential Lending

Genisys Credit Union logo
LAFCU logo
True Community Credit Union logo

Commercial Lending

Inclusive Prosperity Capital logo
Team Financial Group logo
NEIF logo