​Develop | Finance

Whether you're adding an electrical vehicle charger or building high-rise apartments, you'll find everything you need to help your project run smoothly.

Commercial development

Project Development Portal

  • Learn how to connect to SMUD's electrical system or submit a project application

  • Track project status

  • Make payments and share information with project team members

Apply now     916-732-5700

Starting a major project?

Our Commercial Development team is a partner in success for our major developer customers in the planning, coordination and connection of projects to our grid. Learn More

Loan programs

We loan up to $10,000 to business customers investing in energy efficiency measures and consider higher loan amounts on a case-by-case basis. Your business may be eligible if you're planning to upgrade lighting, heating and air-conditioning systems, refrigeration systems or process equipment. We offers low interest rates, generally for a term of 10 years (loan terms for tenants are six months less than the time remaining on the property's lease).


In partnership with the California Capital Financial Development Corporation, SMUD guarantees commercial bank loans for small businesses in Sacramento County that do not qualify for conventional financing. These loans can be used for:

  • Business start-up costs
  • Working capital
  • Business procurement
  • Franchise fees
  • Equipment and inventory