Energy loan for businesses and housing associations
Borrow for energy improvements to a property your company or housing association owns, covering both materials and labour.
Esta oportunidad está disponible actualmente en inglés.
The loan covers windows and doors with a U-value of 1.1 or lower: check the product’s stated U-value against this limit. It also covers insulation of attics, façades and roofs; ground-source, air-source and exhaust-air heat pumps; heat recovery systems; district heating and cooling; solar panels, solar collectors and solar batteries; LED lighting including presence controls; and charging points close to the property.
There is no fixed minimum or maximum loan amount. The bank sets the amount based on your needs, the property’s cash flow and how much debt it carries relative to its value. In most cases, the property secures the loan through mortgage deeds; the permitted borrowing level also depends on the property type. Interest is individually priced, with variable and fixed rates available. You repay the borrowed money according to the repayment plan agreed with the bank.
Eligibility
You apply as the representative of the company or association that owns the property. All property types that can undergo energy-efficiency improvements are covered; consumers have separate loan offers.
You must already be a customer or intend to move the property financing to Ulricehamns Sparbank as part of the energy renovation. New and existing customers must pass the bank’s customer checks, which establish the purpose of the banking relationship and planned transactions, and its usual credit assessment.
Before the bank pays out the loan, provide invoices specifying one or more of the eligible investments. Apart from this invoice requirement, the energy loan adds no further monitoring or reporting.
How to apply
- Estado
- Abierto continuamente
- Condiciones de la convocatoria
- Existing customers or new customers moving their property financing to the bank; customer checks and credit approval required.
Start through Ulricehamns Sparbank’s business-financing application page, or contact the bank using the route on that page. New customers need to become customers first; the onboarding page has a separate route for housing associations. Joining costs SEK 2,500 for limited companies (AB), trading partnerships (HB) and limited partnerships (KB).
For the online route, log in to the internet bank or app and use the form under Loans. The applicant needs unrestricted authority in the new internet bank. Describe your company’s needs in the form. After submission, the bank obtains a credit report from Upplysningscentralen (UC) and calls to discuss financing.