Energy loan for companies and housing associations
Borrow for energy improvements to property owned by your company or housing association, including insulation, heating systems and solar installations.
Denne finansieringsmuligheten er foreløpig beskrevet på engelsk.
The loan covers materials and labour for windows and doors, insulation of attics, facades or roofs, heat pumps using borehole or ground heat, air, air-to-water or exhaust air, heat recovery and ventilation with heat recovery, and district heating or cooling. It can also finance solar panels, solar thermal collectors, solar batteries, LED lighting including occupancy controls, and EV charging points close to the property.
There is no fixed minimum or maximum loan. Sparbanken Lidköping assesses the amount using your needs, the property’s cash flow and its borrowing relative to its value. In most cases, the property secures the loan through mortgage deeds; the permitted borrowing relative to value depends partly on the property type. Interest is set individually, with fixed or variable rates available. You repay the borrowed money according to an agreed repayment plan.
Eligibility
- Apply as a representative of the company or association that owns the property. All property types that can undergo energy improvements are covered; private consumers use other loan offers.
- You must already be a bank customer or intend to move the property financing to Sparbanken Lidköping as part of the energy renovation. Both new and existing customers need approved customer due diligence: the bank must understand the purpose of the relationship and the transactions you intend to make. It also assesses your credit application.
- For companies, the bank’s general financing terms require a valid legal form, registration in Sweden and a Swedish bank account. The credit assessment considers the loan purpose, business idea, ability to repay and security.
- Windows and doors must have a U-value of 1.1 or lower. This is the measure of heat passing through the window or door; a lower value means less heat escapes. EV charging points must be close to the property.
How to apply
- Status
- Løpende søknader
- Vilkår for søknadsrunden
- Existing customers or new customers moving property financing; subject to customer checks and credit approval.
Contact Sparbanken Lidköping’s corporate advisers through the linked corporate contact page to apply or book advice, including if you are becoming a customer. For a company new to the bank, becoming a customer is the first step before applying for financing. The energy-loan page also invites you to start online.
Before the bank pays out the loan, provide invoices that specify one or more eligible investment measures. Apart from this invoice requirement, the energy loan adds no further follow-up or reporting.