Using Accessible, Attractive Financing to Grow Your Business
Michigan Saves Easy, Affordable Financing What is Michigan Saves? Nonprofit, public-private partnership green bank Government and Utilities Process driven by research and stakeholders Loss reserve for lenders Oversight of authorized contractors Program guidelines and quality control Demand for energy efficiency through outreach and incentives
Contractors Lenders Customers 2 3 Michigan Saves Residential Loan Features (owner-occupied) 24/7 loan application center Ten-minute loan approval process Simple, fixed rateno teaser ratesbetter deal for customers Lower ratesnow starting at 4.99% APR Higher dollar valueup to $50,000 Longer termsup to 15 years
Low cost for contractors No penalty for early payoff Underwriting: Credit Score: 600 and above Debt to Income Ratio: 50 percent or less No bankruptcies within the last year 4 What Qualifies for Financing? Eligible improvements Air sealing and insulation Boilers Electric vehicle charging stations Furnace and air conditioning Geothermal systems Roofing Solar photovoltaic and solar
thermal Water heaters Windows and doors And more Health, safety, and preexisting environmental hazards Remediation work must be coupled with an appropriate efficiency measure related to the remediation Asbestos remediation with new boiler installation Knob-and-tube wiring removal with wall insulation Roof repairs with attic insulation
5 Residential Utility Collaboration Interest rate buydowns: Lansing Board of Water & Light / Consumers Energy 0% APR for 48 months Programs: Holland On-Bill Loan Program (Holland Board of Public Works and Holland Energy Fund) New Pilot Program for single family rentals in Washtenaw County launching in 2019 Landlord responsible for holding the loan Commercial and Public Sector Energy Financing
Financing for energy-efficiency and renewableenergy improvements Equipment financing agreement, loans, leases $5,000 to $2,000,000 (larger projects are considered on a case by case basis) Available to all types of businesses, non-profits, public sector and multifamily housing Fast, easy process Rates start at around 6.00% NEW: Extended terms up to 20 years! NEW: Solar Power Purchase Agreements Utility Collaboration: Consumers Energy 1.99% APR for 24 months DTE Energy 1.99%/2.99% APR for 24/60 months In the end, we were convinced by the numbers. We did this project to save money, and weve been really happy with the project.
Sam Bahoura Liberty Food Center Affordable Housing Financing NEW!! Residential or Mixed-Use Properties Five or more residential units Serves low and moderate income residents Community-based nonprofits Up to $2,000,000 Term: up to 20 years
Fixed rate, no penalty for prepayment Available for energy efficiency, renewable energy, and health and safety remediation In partnership with Inclusive Prosperity Capital Intended to serve property owners interested in making improvements mid-funding cycle Solar Power Purchase Agreements and Development Loans are also available Typical Commercial Improvements
LED Lighting HVAC Refrigeration Kitchen/cooking equipment Controls and preventive maintenance Insulation, windows, and doors Custom measures, with whole building audit Solar photovoltaic systems We would not have been able to afford all the lights upfront. But because of the financing
option, were able to save money and make our art look spectacular, too. Amy Zane Amy Zane Store & Studio Thank you! Facebook: facebook.com/michigansaves Twitter: @MichiganSaves Newsletter: MichiganSaves.org/smartenergy www.MichiganSaves.org Phone: 517-484-6474 | Email: [email protected]
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Integration with I & R software is ideal Other tools will work (Survey Monkey, etc.) Individualized fields Quality requirements Development of protocol Measurable goals Sample size Who to screen Time frame Training staff Introduction to concept Understanding the "WHY" Training...
DE gets them started, and then they can move on to Pillar II (Enter the Path) through matriculation steps at every feeder high school (includes Outreach workshops, abbreviated education plans, and one-day registration events), then at BC they Stay on...
Why do we accept these norms? Social Control and sanctions . Sanctions: penalties and rewards for conduct concerning a social norm. If we fail to live up to the norm we may face informal sanctions (fear and ridicule) or formal...
C'est que Françoise Mallet-Joris a le don de préserver le frémissement de ses émotions aussi bien que l'ironie du regard critique qu'elle pose sur ses proches et ses semblables, avec un talent d'une rare fidélité au naturel de la vie....
in vivo, or live exposure, you help the client identify situations that they have been avoiding and then help them to repeatedly confront those situations until their distress decreases. Then the client begins imaginal exposure to the trauma.
Takeaways. Finding SCCs lets you collapse your graph to the meta-structure.If (and only if) your graph is a DAG, you can find a topological sort of your graph.. Both of these algorithms run in linear time. Just about everything you...
10:08 Data-Based Decision Making. 11:30 Lunch. 12:30 Data-Based Decision Making, continued. ... When working in small groups, give and take input ... Social/Academic Instructional Groups (SAIG) - Illinois . PBIS Network, Revised October 2009. Adapted from T. Scott, 2004.
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