You run a Scottish SME, charity or not-for-profit and want energy-saving or renewable heat work at a non-residential property.
For eligible Scottish SMEs and not-for-profits
Could the Business Energy Scotland SME Loan help pay for your project?
Start by finding out what the building can support. FLO's free commercial energy survey checks the site, current energy use and proposed work, then helps turn the findings into a practical scope and quote.
FLO assesses the building and prices the work. Business Energy Scotland and the scheme administrator decide eligibility and awards. Funding information checked 2 October 2026.
£1,000–£130,000current SME Loan application range
Get a scheme reportbefore applying for the loan
Wait for a written offerbefore paying a deposit or starting work
Could this scheme fit you?
Is the SME Loan worth exploring for your organisation?
The scheme is for qualifying Scottish SMEs, charities and not-for-profits. FLO can assess the building and proposed work; Business Energy Scotland decides whether the organisation and project meet the funding rules.
Ask FLO to assess my siteFree and no obligation. Start with the site postcode and the cost or problem you want to address.Check the official eligibility rules
You are a private-sector landlord, the work is residential, the project has already started or the measure may not be on the current list.
What the loan may cover
Which improvements can you apply for?
The loan and cashback limits depend on the measure. Check the current scheme list before asking FLO to price work for a funded application.
Heat pumps, solar thermal and listed technologies
Interest-free loan + potential 75% cashbackCurrent cashback is capped at £10,000 for qualifying renewable heating technologies.
Eligible equipment and building improvements
Interest-free loan + potential 75% cashbackCurrent cashback is capped at £20,000 across eligible energy-efficiency measures.
Solar PV is not solar thermal
New solar PV applications are currently not acceptedCommercial solar can still be assessed as a project, but do not present it as eligible for this scheme unless the live rules change.
How to apply
What are the steps for the SME Loan?
Start with Business Energy Scotland. FLO can then use the scheme report to survey the building, define the work and prepare the quotation for your application.
Book my free commercial survey- 01Check the scheme route
Ask Business Energy Scotland whether your organisation, site and planned work may fit.
- 02Get the recommended-actions report
The report identifies the work the scheme may accept and gives FLO the basis for the funded scope.
- 03Book your free FLO survey
FLO checks the building and prepares the installation scope and quotation.
- 04Apply and wait before starting
Do not pay a deposit, buy materials or begin work until you have the written offer.
Your free FLO survey
What will FLO check before you apply?
FLO checks how the building is used, current energy costs, existing equipment, available space and the electrical supply. If you already have the scheme report, FLO uses it to define and price the proposed installation.
Business funding questions
What else should you check about the SME Loan?
These answers use the current scheme FAQ. Confirm the rules with Business Energy Scotland before you rely on funding.
How much can an eligible organisation apply for?+
The current Business Energy Scotland FAQ states applications between £1,000 and £130,000, subject to the scheme rules, credit assessment and funding availability.
Which organisations can use the route?+
The scheme is aimed at eligible Scottish SMEs, not-for-profit organisations and charities. Legal structure, trading history, ownership and site conditions apply, and private-sector landlords are excluded.
Is solar PV covered by the current SME Loan Scheme?+
The current official FAQ says new solar PV applications are not being accepted. Solar thermal is listed, but it is a different technology. Check the live measure table before developing the funded scope.
Can we pay a deposit while the application is being assessed?+
No. Do not start work, pay a deposit or buy materials for the measures until you receive a formal written loan offer.
Talk to FLO
Just have a question?
Unsure what Business Energy Scotland needs from your project or quote? Ask FLO a question before requesting a free survey.