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Capital program: Loan or credit enhancement for local home-energy upgrade financing program | Federation of Canadian Municipalities (FCM):




Access a competitive-rate loan in combination with a grant to implement a local financing program for home-energy upgrades. Funding is intended to support start-up, operating and capital costs over a four-year implementation period.

  • Loan details: Up to $10 million per local program provided for on-lending within the community for home-energy upgrades on private property and associated costs. Up to 30% of the approved loan amount can be used for approved non-energy improvements (e.g., water conservation, climate adaptation, alternative energy) at the individual participating home
  • Grant: Up to 50% of the GMF loan amount to cover program start-up costs (e.g., legal services, procurement of IT tools, website development) and multi-year operating costs (e.g., staffing, marketing and promotions)

Eligible Applicants

All Canadian municipal governments (with the exception of Low Carbon Cities Canada (LC3) namesake municipalities; Municipal government project partners.

The following entities are not eligible to receive funds directly:

  • Homeowners
  • Federal government entities and any organizations established by those entities
  • Provincial and territorial government entities and any corporation that they own or control

Eligible Expenses

Two funding options are available:

Capital loan combined with grant
Loan to a maximum of $10 million
Grant of up to a maximum of 50% of the loan amount to support start-up and operating costs
The combined loan and grant can cover up to 80% of total eligible program costs

Credit enhancement:
Credit enhancement of $2 million pledged by GMF to support third-party financing
Applicant must demonstrate a minimum leverage ratio of 5:1 (credit enhancement to third party capital)
Grant of up to $5 million (not to exceed 50% of total eligible costs and not to exceed total start-up and operating costs)

Deadline Date

  Applications are accepted year round, though this offer will close when all funding has been allocated.


Contact Name: Federation of Canadian Municipalities (FCM)

Phone Number: 1-877-417-0550

E-mail Address: 1-877-417-0550


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