Consumer Energy Efficiency Loan Participations

• Consumer energy efficiency loan pools
• Monthly funding commitment from $500,000 or more
• Successful, long-standing underwriting guidelines
• Low-risk steady consumer loan flow
• Attractive yield opportunities
• Includes servicing, monthly deposits, and statements
• Add the numbers to the general ledger and TOUCHDOWN! 

Eligible Home Improvements

Home Improvements are program specific and may include:

• Heating & Cooling
• Electrical, Plumbing, Kitchens & Baths
• Windows, Doors, Siding & Roofing
• Home Performance with ENERGY STAR®
• Air Sealing & Insulation
• Geothermal, Solar & Other Energy Projects

Our lending partners have 20-plus years of experience in compliance-focused, setting lending standards for energy efficiency improvements and provide a turn-key solution for energy efficiency financing including:

• Complete program administration with program partners
• Contractor recruitment, training and management program
• Fully compliant origination and all loan servicing and investor reporting
• Automated loan pool participation program
• Rigid compliance and fair-lending practices working within highly regulated institutions.
  

• All loans are made directly to credit-qualified homeowners for energy improvements to their primary residence or second homes
• The contractor is paid in full for the work when it is completed to the customer’s satisfaction and, in utility programs, with approval of the utility.
• Work may only be performed by an approved and vetted contractor
• Underwriting standards have a twenty-year track record of high performance and based off the original FannieMae energy loan underwriting guidelines

Performance of energy loan programs from 2019-2023 using nominally same standard credit guidelines as proposed.

Electrification is the most exciting transformation of our time:

the shift away from fossil fuels toward an electric-powered future.

Please contact us to learn more.

Murray Halperin, Managing Member

609.270.0200

info@cuBIZloan.com