FY21 Jane E. Lawton Conservation Loan Program

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UPDATE: Governor Larry Hogan issued an executive order on March 12th mandating teleworking for non-essential state employees across all state agencies in response to COVID-19.  During this time, the Maryland Energy Administration (MEA) Lawton loan program manager be reached via email at david.giusti1@maryland.gov Information submitted to MEA by postal mail may have processing times affected by the office closure.  We apologize for any inconvenience this may cause and we appreciate your understanding. 

New Changes for Fiscal Year 2021:

  • 1% Interest Rate for all non-state agencies
  • 0% Interest Rate for all local governments and their instrumentalities
  • New Applications
  • Microloans for cost-effective energy efficiency upgrades up to $40,000 with a maximum term length of five years
  • Loan amounts will be capped at $200,000 for all non-state agencies 


Please read the FY21 Lawton Loan notice available below before submitting an application. 

Lawton Loan NOA 7-29-2020.pdfLawton Loan NOA

****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, MEA is proud to offer the FY21 Jane E. Lawton Loan Program (Lawton Loan Program, the program). The program provides eligible borrowers with loans that typically range from $5,000 - $200,000 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's non-profit organizations, local governments, and businesses.

A total of $2,050,000 Lawton Loan Program funds are available in FY21. 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 FY21 Lawton Loan funds on a first-come, first-served basis.

***MEA reserves the right to modify these terms of availability at any time.

Program and Project Requirements


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 FY21. 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 are 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 and all eligible Maryland Businesses Lawton Loans made during Fiscal Year 2021 (July 1, 2020 – June 30, 2021) will be 1.0%, compounded annually. The interest rate for local governments and their instrumentalities made during Fiscal Year 2021 (July 1, 2020 - June 30, 2021), will be 0.0%. 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).

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.



How to Apply


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 submittal. 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

Application Package for non-state agencies

FY21 Lawton Loan Application Document_V2.0.xlsxFY21 Lawton Loan Application Document_V2.0

Application Package for State Agencies



Related Programs

Additional Information

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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