0% financing for your small business heat pump project
Spread the cost of your Mass Save® heat pump or efficiency upgrade over time — 0% APR for small businesses, $0 down, no collateral. Apply online in minutes and hear back in days.
How it works
Affordable, on-bill financing for Massachusetts businesses
Through Mass Save®, Eversource business customers can finance qualifying energy upgrades at 0%–2.99% interest through the National Energy Improvement Fund (NEIF). For most small businesses, a heat pump project qualifies for the 0% tier up to $100,000.
Advanced Ductless is a NEIF-Approved Contractor, so the whole thing is simple: we give you a proposal, you apply online, and you’re typically approved within 2–3 business days — with no money down and no collateral.
- 100% financing — no money down
- No collateral required
- Often cash-flow positive: energy savings can exceed your monthly payment
- Fast online application, approval typically in 2–3 business days
- For Eversource commercial, non-profit & municipal Mass Save® customers
- Combine with your Mass Save® rebates to cut net cost even further
Your rate, by project type
Every approved project is financed up to $100,000. Your exact rate depends on your customer category.
Up to $100,000 at zero interest — the most common path for small commercial heat pump projects.
Comprehensive, multi-measure energy projects up to $100,000.
Single-measure projects up to $100,000.
Repayment terms run 12–48 months (up to 60 for some commercial & industrial projects). Rates and terms are subject to NEIF approval.
Three steps to get funded
Get your proposal
We do a no-cost on-site assessment and give you a clear quote for your heat pump or efficiency project, including your estimated Mass Save® rebate.
Apply online
Fill out the short NEIF application (a few minutes). You’ll typically hear back with an approval within 2–3 business days.
Sign & schedule
Sign your closing documents, and we schedule the installation. As a NEIF-Approved Contractor, we handle the rest.
What qualifies
Eligible Mass Save® measures
Heat pumps are our specialty, but the program covers a broad range of qualifying commercial energy improvements:
Eligibility requires a qualifying Eversource Mass Save® commercial account and work performed by a NEIF-Approved Contractor. See the NEIF program details for full terms.
Ready to finance your project at 0%?
Apply online in a few minutes — no money down, no collateral, and an answer in 2–3 business days. Not sure where to start? Call us and we’ll walk you through it.