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Last Updated July 11, 2023

Program Overview


Financial Incentive



Incentive Type:

Loan Program


Midwest Energy

Start Date:


Expiration Date:


Web Site:

Applicable Sectors:

Commercial, Residential, Federal Government, Multifamily Residential

Eligible Renewable/Other Technologies:

Lighting, Heat pumps, Air conditioners, Caulking/Weather-stripping, Duct/Air sealing, Building Insulation, Windows, Custom/Others pending approval, Other EE


Midwest Energy offers its residential and small commercial electricity and natural gas customers in good standing a way to finance energy efficiency improvements on eligible properties. Under the How$mart on-bill financing program, the utility will pay the initial cost of making energy efficiency improvements, then recoup the cost of these improvements through a surcharge on the customer's bill. The surcharge is estimated to be less than the energy savings associated with the improvements. It allows customers to make efficiency improvements with no up-front costs.

In order to participate in the program, customers must first have an energy audit performed by a Midwest Energy specialist. The audit will identify cost-effective improvements which the customer may then have completed by a participating contractor. The audit will be free of charge if the customer participates in the program. Customers who elect not to participate may be charged for the audit.

To obtain complete program details, contact Kay Unruh at 1-800-222-3121.