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Getting a Loan for Other Improvements or Equipment

If you want to make an improvement or purchase equipment that is not listed on forms 1-4 or 7-9, you may be able to qualify for financing by demonstrating that the project will pay for itself within:

15 years for building improvements,
5 years for replacement appliances or home electronics and office equipment or
10 years for all others

This is done with a professional technical analysis or a self-prepared analysis. If you need technical assistance to determine what improvements or equipment are appropriate for your project, you may want a professional analysis done.

Do-It-Yourself Analysis and More
Form 32 and Form 33 provide a simple energy saving analysis which you can complete yourself. Form 36 provides the format for doing the same on waste minimization projects. Free or low-cost energy audits may also be available from your local electric or natural gas utility. If these are unavailable or not appropriate, you may seek assistance from a professional engineer, architect or other licensed or certified technician. When a third party prepares the technical analysis, that person must complete and sign an Analyst No Interest Statement, and the borrower must complete the Utility Records Release, both on Form 34.

Submit the completed analysis of the energy saving improvement( s) or waste minimization project(s), with all supporting documentation, to the Energy Office. The Office will review it to make sure that savings estimates are reasonable or the waste minimization project qualifies, and will return a Technical Analysis Acceptance, Form 6, to the participating lender you designate. This form lists those improvements or projects identified in the analysis which qualify for a Dollar and Energy Saving Loan. Meet with your lender when form 6 is received and proceed with financing the qualifying improvement(s) or project(s).

The cost of an analysis prepared by a third party may be added to a Dollar and Energy Saving Loan as a part of the cost of the project.

Technical Analysis Loans
A technical analysis of energy saving improvements or waste minimization projects may be financed with a Dollar and Energy Saving Loan provided it will be done, as appropriate, by a Professional Engineer or Achitect, Certified Energy Manager, Certified Lighting Efficiency Professional or Home Energy Rater. Use Form 30 and Form 31 to apply for a technical analysis loan through a participating Nebraska lender.