****MARYLAND STATE AGENCIES NOTE: Beginning with FY20, the Jane E. Lawton Conservation Loan Program includes State agencies among eligible borrowers. The Lawton program now supplants the State Agency Loan Program (SALP).
In honor of the late Delegate Lawton for her dedication to Maryland's environment and energy efficiency, the Maryland Energy Administration (“MEA”) is proud to offer the FY20 Jane E. Lawton Loan Program (“Lawton Loan Program,” “the Program”). The Program provides eligible borrowers with loans that typically range from $50,000 - $500,000 to identify and install energy conservation measures and improvements in their facilities. Borrowers can then use the cost savings generated by added improvements as the primary source of revenue for repaying the loans. This neutral budget impact makes the Lawton Loan Program an attractive financing opportunity for interested organizations.
The newest cycle of the Jane. E. Lawton Conservation Loan Program is now open and accepting applications. The Lawton Program has undergone some changes for FY20 due to newly passed legislation (House Bill 170) which allows Maryland State Agencies access to the program in addition to Maryland non-profit organizations, local governments, and businesses.
A total of $2,050,000 Lawton program funds is available in FY20. Those funds will be divided during the half of the fiscal year, based on the type of borrower. During the first half of the fiscal year, State agencies have access to have $1,200,000 set-aside and the remaining $850,000 is reserved for non-profits, local governments, and qualified Maryland businesses. Additionally, $205,000 is exclusively for non-profit organizations for the first three months of the year. After the first three months, the non-profit organization set-aside is lifted; similarly, after the first six months of the fiscal year the set-aside for State agencies is also lifted and applicants from all sectors may apply for any remaining FY20 Lawton loan funds on a first-come, first served basis.
***The Maryand Energy Administration reserves the right to modify these terms of availability at any time.
In order to qualify for the Lawton Loan Program, potential Borrowers must be one of the following entities:
- Nonprofit Organization (includes hospitals and schools)
- Local Government (includes public school systems and community colleges)
- Maryland Businesses (must be registered to do business with the State of Maryland)
- State Agencies
A total of $2,050,000 Lawton Program funds is available in FY20. Those funds will be divided during the first half of the fiscal year. State agencies have access to a $1,200,000 set-aside and the remaining $850,000 is reserved for non-profits, local governments, and qualified Maryland businesses. Additionally, a $205,000 is exclusively for non-profit organizations for the first three months of the year. After the first three months, the non-profit set-aside is lifted; similarly, after the first six months of the fiscal year the set-asides for State agencies is lifted and applicants from all sectors may apply for the remaining FY20 Lawton loan funds on a first-come-first-served basis.
The interest rate for nonprofits, Local governments, and all eligible Maryland Businesses Lawton Loans made during Fiscal Year 2020 (July 1, 2019 – June 30, 2020) will be 2.0%, compounded annually. State Agencies are eligible to apply under this Program for a zero interest loan.
Applicant organizations must adhere to all Lawton Loan Program regulations, found in the Code of Maryland Regulations, Title 14, Subtitle 26, Chapter 01 (COMAR 14.26.01).
MEA has prepared a slide presentation that includes more information about how the program operates, available in the link below. Applicants are strongly encouraged to review the information prior to completing an application.
 FY20 Jane E. Lawton Program Information
Loan Document Library
Samples of the Lawton Loan Agreement, Promissory Note, and Security Agreement have been provided below for informational purposes only. The language contained within each document is subject to change based on the specific requirements of the Borrower’s Lawton Loan. Generally, these three documents will be required for all Lawton Loans. Please note, however, that additional documentation may be required based on the requirements of the Loan.
Lawton Loan Agreement
Lawton Loan Promissory Note
Lawton Loan Security Agreement
To apply for a Lawton Loan, eligible applicants must download and complete the application packet below. The packet includes instructions on how to apply, what is required for a successful application, and details regarding the eligibility requirements. You may submit an application electronically to Lawton.MEA@maryland.gov and will receive a confirmation email within 48 hours of submital. Applicants may also be submitted via USPS. If mailing a physical copy of the application, please forward the application package to the following address:
Maryland Energy Administration
Attn: Lawton Loan Program
1800 Washington Boulevard, Suite 755
Baltimore, MD 21230
 Jane E. Lawton Loan Application Form
Lawton Success Stories
Other Incentives
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For additional information about the Lawton Loan Program please contact David Giusti at
david.giusti1@maryland.gov or (410) 537-4072 or call 1-800-72-ENERGY.
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