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SME Loan Fund

Loans for resource efficiency measures. Reduce your bills, cut your carbon and receive cashback

Exciting new financial support coming soon

Energy efficiency improvements will be more affordable than ever for Scottish businesses. 

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The SME Loan can be used for the installation of heating renewables and many energy efficiency measures (such as heating, ventilation, air conditioning, building fabric, and more).

It is funded by the Scottish Government which is committed to supporting small and medium-sized enterprises (SMEs) to reduce energy and resource costs.

Reducing operating costs improves your margins and can improve your competitive advantage. 

Apply for the SME Loan to help you install eligible measures and you will receive cashback on completion of your project (up to a maximum value of £10,000), while funds last.

The loan is available to Scottish businesses that fall within the EU definition of Small and Medium-sized Enterprise (SME), not-for-profit organisations, and charities. Full details on eligibility criteria and the list of other qualifying technologies can be found in the important information document.

Cashback will be allocated on a first-come, first-served basis and subject to availability and can be used for a wide range of eligible measures. 

Steps to secure your cashback

  • Complete the online enquiry form and follow the email instructions that will follow;
  • Our experts will help you to find ways to reduce your energy use (and bills!). A written report will be provided that will include measures eligible for the loan;
  • Submit your loan application along with your report. 

Funds are limited and distributed on a first-come, first-served basis. Avoid disappointment and act now

Start your loan application

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 “I would definitely recommend Zero Waste Scotland they have been absolutely fabulous with everything they’ve helped with. And I have advised other companies of the support that’s on offer”. Lorraine Graham, Director, ECG Joinery.

“For our business, this (heating and lighting upgrades) was something that we needed to do, and having the loans allowed us to spread the cost rather than having to try to find the capital to cover it.” Laura Hays, Thistle Help.



“The advice we received was very good in terms of selecting the right equipment and calculating the actual requirement of the office. If I hadn’t received the advice, I would likely have over-specified the units and the payback would not have been so quick. It was good to get an energy audit and make sure we were on the right track. The advice was clear and concise and made the application for the interest-free loan really straightforward.” David Owen, Director, Owen Farm Services.

COVID-19 update: payment holidays

Thinking of applying for an SME Loan? Talk to us on about applying for a payment holiday.


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