BayREN
Business Microloans

Get a 0% interest loan to buy energy-saving lights and appliances for your business

  • LOWER YOUR MONTHLY ENERGY BILL

  • INSTALL ENERGY-SAVING LIGHTS AND APPLIANCES

  • MAKE LOW MONTHLY PAYMENTS

  • BUILD YOUR CREDIT HISTORY

  • ACCESS ONLINE FINANCIAL EDUCATION

  • AVAILABLE IN THE 9-COUNTY SAN FRANCISCO BAY AREA

Get 0% interest financing on any ENERGY STAR certified product

Replacing your existing equipment with ENERGY STAR certified products will save you energy and money on your utility bill. ENERGY STAR products meet strict energy-efficiency specifications set by the U.S. Environmental Protection Agency (EPA).

APPLIANCES

LED LIGHTS

AV/MEDIA

“[This program] allows you to do a project that otherwise wouldn’t get done…As a business owner, there are very few times where there’s something with no risk and no downside. It’s interest-free money, it helps your business, it saves on your monthly PG&E bill.”

Mike Z., owner of Z. Cioccolato in San Francisco

3 simple steps to get started

STEP BY STEP

1. PICK A PROJECT

Pick an ENERGY STAR certified product that you’d like to purchase for your business. Not sure where to start? Make an appointment to talk with us. We’ll review what your options are.

2. APPLY FOR A LOAN

Fill out a simple online application to get a 0% interest credit-building loan from MAF, a trusted non-profit lender. You’ll also receive free online financial education and build your credit history.

3. INSTALL & ENJOY

Get your loan approved and install your energy-saving lights and appliances. Enjoy the new look and feel of your space, and start saving money on your energy bill right away.



Are you ready to join?

Answer the following questions to see if you qualify for the program.

Bay Ren PreApp

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To qualify for this program, you must operate a business or retail outlet that has at least one physical location, such as an office, grocery store, restaurant, workshop, studio, or other physical space.

I operate a business with a commercial space

  • No
  • Yes

1/9

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Counties include Alameda, Contra Costa, Marin, Napa, San Francisco, San Mateo, Santa Clara, Solano, and Sonoma.

My business is located in one of the 9 San Francisco Bay Area Counties

  • No
  • Yes

2/9

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All loan funds for this program must be used to purchase ENERGY STAR certified products for your business. Click here for a listing of ENERGY STAR certified products

I want to buy LED lights, equipment, or other products that are ENERGY STAR certified for my business

Click here for ENERGY STAR certified products
  • No
  • Yes

3/9

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You must be 18 or older in order to formalize a loan with MAF. If you are under 18 and want to benefit from this program, your parent or legal guardian could consider taking outt the loan for your benefit instead.

I am 18 years or older

  • No
  • Yes

4/9

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For convenience and safety, we use electronic payments to send and receive money from your checking account. We ask you for proof of a checking account, like a bank statement or a voided check, to set up the automatic payments.

I have a checking account in my name

  • No
  • Yes

5/9

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We request your social security number (SSN) or your Individual Tax Identification Number (ITIN) to verify your identity.

I have a Social Security Number (SSN) or Individual Tax Identification Number (ITIN)

  • No
  • Yes

6/9

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We need to verify your identity to issue a loan to you. We accept federal, local and foreign issued IDs as long as they are current - and not expired.

I have a current driver’s license, state ID, or other government-issued photo ID

  • No
  • Yes

7/9

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As a nonprofit committed to your success, we want to ensure that this loan is right for you. We verify your income by reviewing your pay stubs or bank statements to ensure that you are able to make monthly payments. If you do not earn an income yourself, we can rely on income from a member of your household.

I, or someone in my household, earn an income

  • No
  • Yes

8/9

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We ask about your debt to get a better picture of your financial life. If it is already a stretch for you to meet your monthly debt obligations, our program may not be the best fit for you.

My monthly debt payments are less than half of my household's monthly income

  • No
  • Yes

9/9

Congratulations!

You qualify for this program

Back

Unfortunately, It appears you may not qualify due to the following responses:






    Collaborators

    This program is provided in partnership with BayREN and MAF. BayREN is the “Bay Area Regional Energy Network,” a collaboration of the nine counties that make up the San Francisco Bay Area—Alameda, Contra Costa, Marin, Napa, San Francisco, San Mateo, Santa Clara, Solano, and Sonoma counties. Led by the Association of Bay Area Governments (ABAG), BayREN provides regional-scale energy efficiency programs, services, and resources.

       

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