Apply for a Loan

Thank you for your interest in emPowerSBC. We look forward to working with you to help make cost-effective, energy upgrades to your home that you and your family will love!

There are steps you must take before you can qualify for an emPowerSBC loan. Click here for an overview of our five step application process. Click here to track your progress through the five steps.

If you’ve already selected a participating contractor and they have received an Authorization to Proceed (or Verification of Rebate Reservation) from Energy Upgrade California (and California Solar Initiative, if applicable), you are ready to submit a loan application to one of two lenders, based on your zip code - To determine which leading institution serves your neighborhood, please enter your zip code in the blue box.

The following documents are required to be submitted with your loan application:

• Contractor bid proposal(s) and scope of work for the upgrades intended to be installed and financed by emPowerSBC.
• Authorization to proceed or verification of rebate reservation from Energy Upgrade California. Your proposal and scope of work should only include upgrades deemed eligible under a corresponding authorization or verification by Energy Upgrade California required in Step 2 (and California Solar Initiative Reservation Confirmation, if solar projects are included in loan application)

Based upon underwriting criteria and eligibility, you will receive a conditional pre-approval letter for financing within 20 minutes of submitting a complete loan application.  All documents required of the lender and emPowerSBC must be submitted with your loan application.  Once you receive pre-approval, you and your contractor should start your upgrade project (see Step 4 of the 5 step process).