Commercial Financing

GEMS Financing for Nonprofit, Small Business & Multi-Family Rentals

Features and Benefits:

  • Lower than Market Fixed Rates as low as 4.50%*
  • Longer Repayment Terms for up to 20 Years
  • Up to 100% Financing
  • Flexible Repayment Schedules
  • No Prepayment Penalty
  • GEMS Able to Partner with any Lender
  • Project Must be Located within HECO company Territories (Oahu, Maui, Island of Hawaii)

GEMS for Nonprofit and Small Business

USDA Rural Energy for America Program (REAP) Renewable Energy Systems & Energy Efficiency Improvement Loans & Grants

REAP provides guaranteed loan financing and grant funding to agricultural producers and rural small businesses for renewable energy systems or to make energy efficiency improvements. Agricultural producers with at least 50% of gross income coming from agricultural operations, and small businesses in eligible rural areas may apply for REAP grants. Find out more on the USDA REAP website.