Energy Loan Fund. In partnership with.
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1 Energy Loan Fund In partnership with
2 Introduction to Self-Help Credit Union Enabling Success of Others $5.8 billion invested since 1980 $483,000 business loans $283,000 community facility loans 37,000 jobs 4,427 direct home loans 132 efficient affordable homes built
3
4 Quality Daycare & Assisted Living Need Capital
5 Mission and Food Access
6 Self-Help and Green Lending $64,000,000+ in sustainable development financing
7 Charter Schools Need Capital
8 Real Estate Development
9 The Energy Loan Fund Low Cost Financing 1.5% interest rate discount with no floor. Retrofits & Renewable Energy Installations Hedge against rising utility rates Strengthen financial sustainability Special priority given to projects in economically underserved communities.
10 Eligible Measures Any of the following measures qualify for the interest rate discount. 1. Achieve a green certification. 2. Provide energy estimates from vendors or engineers. 5. Design, certification and commissioning fees. 3. Qualify for a utility s energy efficiency incentive program. 4. Complete project from No Regrets Measures list.
11 Geography 1. City of Charlotte, North Carolina 2. Washington, D.C.* 3. Atlanta, Georgia* 4. Miami, Florida* 5. Los Angeles, California* 6. San Francisco, California* 7. Houston, Texas* 8. Chicago, Illinois* *Projects should be within city limits, greater than $1,000,000 loan size, and in a New Markets Tax Credit eligible location.
12 Sectors of Interest Commercial Real Estate Charter Schools Childcare Facilities Faith-Based Organizations Multifamily Housing Non-Profits Other Small Businesses An elementary school in Texas incorporates a number of energy efficient features such as daylighting, rainwater collection, and high efficiency lighting. Source: National Renewable Energy Laboratory
13 Rate Savings Potential What's the price diffe re nce w ith the ELF discount? See here Baseline Loan Amount Rate Term (mo) Monthly pay ment 1 year cost of loan Total Cost of Loan Baseline Project: without any energy efficiency Project Cost $600, % 84 $9,056 $108,667 $760,671 Energy Efficient project Efficient Projec t Loan Amount Rate Term (mo) Cost related to Energy Efficiency projects (total HVAC, plumbing, envelope, lighting) $200, % 84 Monthly Payment 1 year cost of loan Total Cost of Loan Total Lifetime Savings Annual Debt Service Savings Costs unrelated to energy upgrades (parking lot re-pave, carpets, furnishing, acquisition etc) $400, % 84 TOTAL $600, % blended rate $12,259 $1,751 $8,910 $106,916 $748,412 Monthly payment savings $146
14 Energy Savings Potential Building Annual Consumption Price Cost per Sq. ft. Type kwh/sq. ft. (Elec.) kwh Electricity Faith 6.6 $ $ Education 11.5 $ $ Retail 19.7 $ $ Office 19.8 $ $ Warehouse 7.7 $ $ Building Annual Consumption Price Cost per Sq. ft. Type Cubic ft./sq. ft. (N. Gas) Cubic ft. Natural Gas Total Annual Cost per Sq. ft. Faith 21.7 $ $ $ Education 19.6 $ $ $ Retail 20.4 $ $ $ Office 14.7 $ $ $ Warehouse 12.1 $ $ $ Annual consumption rates are derived from the Commercial Buildings Energy Consumption Survey (CBECS) by the U.S. Department of Energy. Data is from the most recent study completed in All average consumption amounts are from the South Atlantic Division, with the exception of Faith and Warehouse natural gas average consumption amounts. These are from the South Region due to a lack of data in the South Atlantic Division. Price per kwh is the Average Retail Price to Commercial Customers in North Carolina as of March 2012 and is from the U.S. Energy Information Administration. Price per Cubic ft. is the Average Retail Price to Commercial Customers in the U.S. as of March 2012 and is from the U.S. Energy Information Administration.
15 Energy Assessment An energy assessment will assist the borrower in selecting energy upgrades. Self-Help has funds to subsidize most of the costs of an assessment. Borrowers will be responsible for a co-payment. Borrowers will select one of the following auditors:
16 Impact Analysis All borrowers receive free enrollment in EnergyScoreCards.
17 Thank You! Melissa Malkin-Weber Green Initiatives Manager I melissamw@self-help.org Teresa Scarlett Senior Loan Officer x2202 Teresa.Scarlett@self-help.org
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