Commercial financing, explained before you commit

Commercial heat pump financing that matches your utility account

Financing is not one universal Mass Save® offer. We verify the current utility and lender path for your building, then put the available terms, incentive route, and approval steps in writing.

Get My Options in Writing Call (617) 802-4848

Program information reviewed: September 10, 2026. Project rate references below are reported by Advanced Ductless; your written utility or lender offer determines the actual terms.

Two utility paths

Start with the bill that serves your business

Eversource business customers

Financing through NEIF

Eligible Eversource businesses may have financing options through the National Energy Improvement Fund (NEIF). The project, utility account, incentive choice, and lender approval determine what is available.

NEIF publishes subsidized 0%, 1.99%, or 2.99% rates up to $100,000 for certain qualifying Eversource program categories through reduced incentives, and below-market financing above $100,000. Those categories do not establish the rate for every heat-pump project. NEIF’s published Eversource program terms.

As of September 10, 2026, Advanced Ductless reports rates starting at 8.99% for the eligible commercial heat-pump financing route it works with. This is contractor-reported guidance, not a universal rate published by NEIF. Request a current written lender quote; approval and terms apply.

Review NEIF program options →

National Grid business customers

On-bill repayment options

Eligible National Grid businesses may be able to repay their share of an approved efficiency project through the electric bill. The utility confirms the account, project, payment schedule, and approval.

National Grid’s Massachusetts Small Business page describes eligible project costs being repaid on the electric bill for up to 24 months. It does not publish the specific 0% / 12–16 month terms described here. National Grid’s Massachusetts Small Business program.

As of September 10, 2026, Advanced Ductless reports a potential 0% on-bill repayment option over 12–16 months for eligible National Grid customers. This is contractor-reported guidance, not a universal utility offer. Confirm availability and the full payment schedule with the utility in writing.

Review National Grid programs →

Advanced Ductless is an independent contractor. Financing is subject to the utility or lender’s current terms and approval. Incentive eligibility is determined separately, and a subsidized rate may affect the incentive amount. Compare the written equipment price, incentive, financed amount, rate, fees, and payment schedule before authorizing work.

How we avoid surprises

Confirm the utility account

We check the electric and gas accounts that serve the building; a town name alone is not enough.

Price the project and incentive route

You receive a written equipment proposal, estimated incentive path, and any required commercial pre-approval steps.

Compare the actual finance option

We confirm the current lender or utility terms and show the project cost before you authorize installation.

Need to decide whether a failed system is worth replacing first? Read our commercial AC repair-or-replace guide before applying for financing.

See the actual commercial options for your building

We will verify the utility account, project fit, incentive process, and available financing route before you move forward.

Request a Commercial Assessment

Program resources: NEIF and National Grid.