To start saving, call 0808 808 2268 Mon-Fri, 9am-5pm

SME Loan Fund

Take out an interest-free SME loan for resource efficient measures and reduce your bills.

The Scottish Government is committed to supporting small and medium sized Scottish businesses to reduce energy and resource costs. Reducing operating costs not only improves your margins but can help make you more competitive.

The SME Loan provides unsecured, interest free loans from £1,000 up to £100,000 for the installation of energy efficient measures such as lighting and heating upgrades, double glazing, insulation and much more. (The further information document provides a list of all eligible projects).

Your loan can be used to pay for:

  • Heating, ventilation and air conditioning upgrades – from single improvements to controls to complete system replacements
  • Lighting systems – fitting and controls
  • Building fabric – including insulation, draft-proofing, double and secondary glazing
  • Water saving – be it installing a grey water system, harvesting rain water or sampling installing water efficient taps
  • Waste reduction – installation of equipment to improve handling and reduce waste at source

Full details on eligibility criteria and the list of qualifying technologies can be found in the further information document.

Don’t miss out on Government SME Funding

Since its launch in 2008, the SME Loan has provided Scottish businesses with over £24 million in loans for over 800 projects. The estimated financial savings to businesses is over £36 million.

"The support from Resource Efficient Scotland helped me to identify and fund the changes to my shop and I have seen my electricity bills drop by about 30%, saving me about £1,800 a year.” Aleem Farooqi, Owner, Goldenacre Mini Market

Steps to apply for your business loan 

  • Complete the fields below
  • We’ll email you a form for you to tell us about your business
  • Return the completed form to
  • Our experts will help you to find ways to reduce your energy use (and bills!). A written report will be provided that will include measure eligible for the loan.
  • Submit your loan application along with your report.

If you are a private sector landlord and would like more information about funding options available please contact Home Energy Scotland on 0808 808 2282.

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30% energy cost reduction for convenience store with energy and refrigeration upgrades

Edinburgh convenience store Goldenacre Mini Market used a combination of a grant and the Resource Efficient Scotland SME interest-free*, unsecured loan from Scottish Government to upgrade its lighting and refrigeration, resulting in annual electricity savings worth almost £1,800.

Switching to LEDs lights up savings for packaging manufacturer

Looking for ways to reduce its environmental impact, WestRock's Multi-Packaging Solutions asked us for help. We recommended LED lighting for a dazzling reduction in impact and costs. A full, free assessment of the company’s facilities and processes identified actions the company could take that would deliver environmental benefits and potential financial savings of over £92,000.
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