Business energy loan
A loan for property-owning companies and housing associations to pay for insulation, heating upgrades and renewable energy, with invoices required before payment.
Această oportunitate este disponibilă momentan în limba engleză.
The loan pays for materials and labour for energy improvements. Eligible investments include attic, façade and roof insulation; windows and doors whose specified U-value is 1.1 or lower; heat pumps; heat-recovery systems; district heating and cooling; solar panels, solar thermal collectors and solar batteries; LED lighting including presence controls; and charging points close to the property.
Sparbanken Skaraborg lends you the money at a variable interest rate. You repay the borrowed amount according to a schedule agreed with the bank. There is no fixed minimum or maximum loan: the amount is adapted to your needs, the property's cash flow and how much debt it carries relative to its value. The loan is usually secured against the property through mortgage deeds, and the acceptable borrowing level also depends on the property type.
Eligibility
- Apply as the representative of the company or association that owns the property. Housing associations are included. The loan can be used for all property types that can carry out energy-efficiency improvements; consumers use separate loan offers.
- You must already be a customer or intend to move the property's financing to Sparbanken Skaraborg as part of the energy renovation. Both new and existing customers must pass the bank's checks on the business relationship and intended transactions, as well as its credit assessment.
- Before the bank pays out the loan, present invoices that identify the eligible investment measures. Beyond this invoice requirement, the offer has no additional follow-up or reporting.
How to apply
- Statut
- Deschis continuu
- Condițiile sesiunii de finanțare
- New customers must become business customers and transfer their property financing as part of the energy renovation; credit assessment applies.
Contact Sparbanken Skaraborg on 0511-280 00 to apply or discuss the loan. If you are a new customer, start through the bank's business-customer route and arrange to transfer the property's financing. The bank lists a SEK 2,500 joining fee for sole traders, limited companies, trading partnerships and limited partnerships.
Existing business customers can use the loan form under Loans in the internet bank or app. The applicant needs unlimited authority in the new internet bank. Describe the company's needs; after submission, the bank obtains a credit report from UC and an adviser contacts you to discuss financing.