Finance energy efficiency projects and equipment for your small business

PG&E supports the Small Business Financing (SBF) program, a state-administered program that provides private market financing with low interest rates and terms. Finance one hundred percent of project costs starting at $10,000 for up to ten years.

Loans up to $5,000,000 are available to owners or leasees of business properties that receive electric and/or gas service from PG&E. This state-administered program can be paired with PG&E's Energy Efficiency Financing program.

Eligibility Requirements

Applicant's business must meet one of the following requirements:

  • Employ 100 or fewer employees.
  • Total annual revenue of less than $15,000,000.
  • Meet SBA small business size requirement of annual revenue up to $41,500,000, depending on industry.

View program regulations

Project Financing in 3 Simple Steps

  1. Get project estimate from a contractor.
  2. Select finance company and apply.
  3. Sign documents and receive finance company confirmation to start your project. Visit to review qualifying measures and get started.

Eligible equipment upgrades include:

Heating and cooling systems and equipment, insulation, LED lighting, water heaters, commercial refrigerators and freezers, smart thermostats, dishwashers, heat pumps and more. See more qualifying measures on

PLEASE NOTE: Pacific Gas and Electric Company is not making any offer to lend under the Small Business Financing program and has no role in reviewing or approving your SBF application. Any financing arrangement entered is entirely between you and the lender. PG&E is not liable for the lender's acts or omissions or any of the lending terms for financing made available under the SBF Program.