The CEA Loan Program is currently paused and not accepting new applications. We are awaiting Maryland Public Service Commission approval for the CEA Loan pilot program to be extended into the 2026 calendar year with additional funding.
If the PSC approves the pilot program extension for an additional year, all participating installers will be notified. At that time, we will re-open the CEA Loan portal for new applications once program funds have been re-evaluated.
Project Completion Deadline for Approved Loans:
All required Project Completion Documentation, including the Final Sales Invoice, the signed Affidavit Form, and the Rebate ID (if applicable), must be submitted by February 13th, 2026.
These deadlines cannot be extended under any circumstance.
The Clean Energy Advantage Loan Program is open to customers served by the following Maryland utilities: BGE, SMECO, Potomac Edison, Delmarva Power, Pepco (excluding Montgomery County), and/or Washington Gas. Customers who do not receive an electric and/or gas bill from the listed utilities in Maryland are not eligible for this program. All loan projects must go through the customer’s utility’s HPwES/HEIP or HVAC rebate program. Contractors should submit the CEA Loan application on their customer’s behalf.
How does it work?
Step 1
Identify your Customer’s Utility
All CEA Loan applications must be directly linked to your customer’s utility rebate program. To begin, select your customer’s utility provider below to access their rebate information based on the customer’s desired project.
You must be an approved contractor with the customer’s utility rebate program.
Step 2
Prepare a Proposal
Prepare and share a proposal with your customer that outlines the scope of work. The proposal must include only measures that are eligible for rebates under your customer’s utility rebate program.
Step 3
Submit the CEA Loan Application
Submit a CEA Loan application on behalf of your customer. The application requires project details, a copy of your customer’s utility bill, cost estimates, and a proposal.
Step 4
Initiate Underwriting
Once the customer’s CEA Loan application is approved, you must initiate the underwriting process with the participating lender, the Clean Energy Credit Union. Full loan approval from the credit union is required before installation can begin.
Step 5
Schedule Installation
Coordinate with your customer to schedule and complete the installation of the customer’s project.
Step 6
Submit Project Completion Documents
After installation is complete, the contractor must submit a final sales invoice and, if applicable, the utility rebate ID. A customer and contractor-signed Affidavit Form is also required.
Step 7
Loan Disbursement
Funds are disbursed directly to the contractor once all Project Completion documents are approved by the program administration.
Loan Terms
| Secured Loan | Unsecured Loans | |
|---|---|---|
| Rate | As low as 4.99% | As low as 7.99% |
| Term | 3, 5, 7, or 10 years | 3, 5, 7 or 10 years |
| Min/Max Amount | $3,000-$50,000 | $3,000-$50,000 |
The Clean Energy Advantage Loan Program offers 0% interest on the first 24 months. The Clean Energy Credit Union is the participating lender. Final rates and terms are determined by the Clean Energy Credit Union during the borrower’s underwriting process.
View Utility Rebate Program Guidelines:
EmPOWER Maryland programs are funded by a charge on your energy bill. EmPOWER programs can help you reduce your energy consumption and save you money. Learn more about EmPOWER Maryland.