Residential and Commercial Energy Efficiency Revolving Loan Fund (EERLF) Loans

The Michigan Energy Efficiency Revolving Loan Fund (EERLF) Loan Program, administered by the Michigan Department of Environment, Great Lakes, and Energy (EGLE), provides financing to support energy efficiency audits, retrofits, and upgrades for commercial and residential buildings across Michigan. The program is capitalized through funding received from the U.S. Department of Energy's Energy Efficiency Revolving Loan Fund Capitalization Grant.

Eligible recipients include residential single-family homeowners as well as owners and operators of commercial properties, including commercial mixed-use buildings with multifamily residential units across any number of stories in Michigan.

Eligible projects must involve energy efficiency upgrades and retrofits that are recommended by a program-compliant energy audit. For commercial buildings, audits must determine overall energy consumption, identify lifecycle cost-effective opportunities, evaluate peak energy demand sources, recommend peak-demand controls, and estimate savings using DOE-approved software. For residential single-family buildings, audits must evaluate criteria consistent with the Energy Star Home Performance Assessment, provide a Home Energy Score or equivalent, and recommend lifecycle cost-effective measures and peak-demand management controls.

The loan program is currently in development following a Request for Information (RFI) that closed in March 2026. A Request for Proposals (RFP) is anticipated for release in Fall 2026. Interested parties may contact EGLE program staff at EGLE-MMD-EID-Section@Michigan.gov for additional details.