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Healthier, safer, greener homes for ALL Arizonans.

As a nonprofit lender and Arizona's first green bank, Groundswell Capital is making sustainability accessible. 

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Learn more about how to apply for a green loan for your next home project with our new EarthWise Fund. 

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TRUSTED

CONTRACTORS

Plumbers

ON A MISSION TO HELP

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NO MINIMUM CREDIT SCORE

EQUITABLE COMMUNITY LENDING

At Groundswell Capital our mission is to remove barriers to accessing capital. 

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EarthWise provides no-collateral personal loans for home improvement projects for Arizona homeowners. No minimum credit score, no income limits (minimum or maximum), and no minimum asset or home equity required.

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We vet each and every contractor in our program to ensure that your project is completed successfully each and every time!

This program is open to all Arizona with 

special programming and rates for: 

MANUFACTURED HOMES

 VETERANS

SENIORS

FEMALE-HEAD-OF-HOUSEHOLDS

INDIVIDUALS WITH DISABILITIES

LOW-INCOME

LOW CREDIT SCORE

Contact Us:

Want to learn more?
lending@groundswellcapital.org

EXPLORE OUR PROGRAM

Scroll over each icon to learn all of the types of things you can finance with our EarthWise green loans, you might be surprised!  (desktop only)

Roofing

  • Roof Replacement (Tile, Shingle, Metal)

  • Roof Repair & Reinforcement

  • Hurricane Clips/Straps/Roof Anchors

  • Roof Soffit Vent Sealing/Flashing

  • Reflective Roof

Accessibility Products

  • Wheelchair Ramps

  • Stair Lifts

  • Walk-in Tubs and Showers

  • Doorway and Hallway Widening

  • Assistive Technologies

Air Condition

  • HVAC

  • Duct Testing & Repair

  • Ceiling and Attic Fans

  • Programmable Thermostat

Storm Resilience

  • Window Repair

  • Window Replacement

  • Doors

  • Garage Doors

  • Hurricane Shutters & Fasteners

  • Window Shutters

  • Hail Protection

  • Exterior Siding

Sewer & Water

  • Pool Pump

  • Low-flow: Toilet, Shower, or Aerator

  • Septic to Sewer Conversion

  • Sewer Lateral Line Replacement

  • Irrigation Package

  • Rain Water Barrel

  • Cistern

  • Sprinkler Heads

  • Drip Irrigation

  • Electric Water Heater

  • Gas Water Heater

  • Plumbing

Weatherization & Insulation

  • Weatherization

  • Insulation and Air Sealing

Solar Products

  • Solar Photovoltaic (PV) Panels

  • Solar Water Heater

  • Solar Pool Heater

  • Solar Pool Pump

  • Solar Attic Fan

  • Window Film and Solar Screens

THE BASICS

Basics

Eligible Improvements: 

  • Solar products

  • Sewer and water

  • Storm resilience

  • Roofing

  • Weatherization and insulation

  • Lighting

  • Health and safety

  • Disability products

  • HVAC

  • EV chargers and electric generators

Eligibility:

  • Primary Applicant must be the owner or next of kin of the residential subject property

  • Home must be located in Arizona

  • Applicant(s) must prove ability to pay (i.e., Employment, Social Security, Disability, etc.)

  • Property Taxes must be current

  • Home Mortgage loans must be current (with proof)

  • Primary Applicant cannot have a bankruptcy in the past 12 months

  • Co-signer or cash collateral may be required depending on the Applicant(s) previous payment history

  • Mobile homes must be affixed to the ground to qualify (not mobile homes with license plates)

  • Veterans, seniors, female head-of-households, persons with a disability, low-income, or individuals with low credit may have additional programming opportunities

General Terms:

  • Unsecured Loan Products & Rates*

  • LOAN AMOUNT $3,000 - $25,000

  • INTEREST RATE 5% - 9.99%

  • FIXED TERMS: 3 - 10 yrs

  • COORDINATION FEE: 5.49%

Contractor

Are you a dedicated and trustworthy contractor eager to become part of our network ? Discover the steps to qualify for our program here.

A trusted a community of contractors at your fingertips.

We totally get it! Many families looking into clean energy frequently feel frustrated with the process and struggle to find the right partners.

The great news is that we carefully screen every contractor in our network, check pricing, and offer continuous project management coordination from start to finish.

Contractors

FAQS

FAQ
Green Banking 

Green banks are mission-driven financial institutions working to make sustainability more accessible and affordable. Some tools that green banks use are to offer low-cost capital, provide reduced interest rates, offering extended loan terms, and offering low barrier finance options. Green banks are often independent, nonprofit, community-based lending organization focused on financing that promote energy efficiency, clean energy alternatives, storm protection, water conservation. Groundswell Capital works at the intersection of equity and sustainability focusing on additional issues of accessibility for women, minorities, veterans, and individuals with disabilities.  

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