Jane E. Lawton Conservation Loan Program

Now Accepting Applications
thru
Tuesday, February 27, 2026 at 3:00 P.M. ET

Program Description: The Maryland Energy Administration (“MEA”) offers Fiscal Year 2026 Jane E. Lawton Conservation Loan Program (“FY26 Lawton Program”) to Maryland Nonprofit Organizations, Local Governments, Maryland Businesses, and State Agencies to finance cost-effective energy efficiency and conservation projects to benefit their facilities and operations. Comprehensive projects that include multiple measures to maximize energy cost savings and greenhouse gas emissions reductions are highly desired.

3% Interest Rate for all eligible businesses and non-profit organizations in the State of Maryland requesting a micro loan
2% Interest Rate for all eligible businesses and non-profit organizations in the State of Maryland requesting a traditional loan
0% Interest Rate* for all Maryland State and local governments and their instrumentalities
*Subject to Lawton state government approval, Jane E. Lawton's loan will carry a 0% interest rate and a 1% administrative fee calculated on the loan balance.

Program Purpose: To identify and install energy conservation measures and improvements in eligible facilities that reduce energy consumption and cost.

Type of Program: The FY26 Lawton Loan Program is a first-come first-serve loan program for qualifying borrowers subject to funding availability.

Anticipated Program Budget: A total of $4,281,842 in Lawton Loan funds are available in FY26.

During the first 90 Days of FY26:

A total of $2,140,842 is initially reserved for non-profit borrowers.
A total of $2,140,842 is initially reserved for state governmental bodies.

These restrictions will be fully lifted after October 31, 2025. All remaining funds are available for potential loans to all eligible Applicants beginning November 1, 2025. For more information, please see the Funding Opportunity Announcement (FOA).

Statutory provisions governing the Jane E. Lawton Loan Conservation Program are found at the Md. Code Ann. State Gov’t Art. §§ 9-20A-01 – 9-20A-10. Regulations governing the Lawton Loan Program can be viewed in the Code of Maryland Regulations (COMAR), section 14.26.01. In the event of a conflict between the statutory provisions and the Funding Opportunity Announcement or other program documents, the statutory provisions take precedence.

Program Funding Opportunity Announcement:

FY26 Lawton Loan Funding Opportunity Announcement (FOA)

Program Applications for Businesses, Nonprofits, and Local Governments:

FY26 Lawton Businesses, Nonprofits, and Local Governments Application

Program Applications for State Agencies:

FY26 Lawton State Agency Application

Sample Loan Documents for Non-State Agencies:

For more information, contact MEA regarding the Lawton loan Program by email at lawton.mea@maryland.gov.

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