Loan and Lease Financing

Sparkfund offers low cost financing for commercial energy retrofits or new building projects through traditional loans and leases.

Fast and easy

Our online financing application takes only minutes to complete. We'll evaluate and get back to you within 48 hours.

Flexible terms

Customers choose an ideal term to fit cash flow needs. Select a longer term for more positive cash flow, or a shorter term for lowest total cost.

Fixed, low rates

Competitive rates average between 6-9%, subject to credit evaluation.

No building liens or collateral

We don't require any collateral beyond the equipment installed and don't take security interest in the building.

Technologies we finance

LED lighting

EV charging

Building controls

Water conservation

HVAC and refrigeration




  • Projects or systems over $50,000 are eligible
  • Flexible terms from 1-10 years
  • 100% financing that includes soft costs like labor, shipping, and project development
  • Over the term, customers make single fixed monthly payments to Sparkfund
  • Customers keep all incentives, tax benefits, and asset depreciation

Have a project or a customer that needs financing?