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FundEnergy costs are rising nationwide, burdening low-income households who spend a large percentage of their income on utility bills. People with lower incomes, especially in communities of color, are more likely to live in older homes and struggle with poor indoor air quality and environmental toxins. As climate change intensifies, they are disproportionately at risk of climate-related hazards, such as heat and respiratory illnesses.
Unprecedented federal investment is flowing into clean energy efforts that offer solutions to these problems: energy efficient appliances, heat pumps, residential solar, electric cars – to name a few. Yet, low-income households often lack the capital, credit scores, and financial history to access the financing needed to pay for them.
We created the HELP fund because we want to realize a society where everyone has access to the financial resources needed to make decisions about their lives, homes, and communities. Now is the time to make sure all homes are affordable, free of toxins and fossil fuels, and future-proofed for climate emergencies.
Supported by innovative partnerships with NYSERDA, a local banking partner, philanthropy, and investors like you
The extremely low interest rates on our loans ensure they are accessible to low-income borrowers
Incentives that reward borrowers for paying back their loans on time
Safety nets that support borrowers to pay back their loans in case of hardship
Our Fund allows community members (non-accredited investors) to invest, fostering ownership and solidarity
Our Fund prioritizes project viability, impact, and community connections over financial history
Our Fund aims to align loan payments with existing fossil fuel expenses, ensuring individuals experience no increase in their bills
Our Fund provides free-of-charge project management of home upgrades through our parent organization, Mid-Hudson Energy Transition
Our Fund has built-in features that support borrowers to build and stabilize credit, generate passive income, and boost financial literacy
Please read our Offering Memorandum in its entirety.
Consult the personal finance worksheet if you are unsure how much to invest
Browse the below investment options and select the “Invest” button next to your desired option to invest online.
Contact us with any questions about the HELP Fund at invest@mid-hudson.energy
The tiered structure of these notes will allow non-accredited investors – who are generally taking the most risk – to receive the highest return on investment.
2 years (with automatic renewals for successive 2-year terms)
$100 – $10,000
Accredited
investors and institutions
10 years
Of heating, cooking, cooling systems
Of heating, cooking, cooling systems
Reduced emissions, increased energy efficiency, grid resilience
Healthier homes, positive health outcomes, reduced medical bills
Lower energy bills, increased property values, reduced late fees, increased credit scores and lendability, more local spending
Preventing displacement and reducing housing security by keeping people in their homes
An accredited investor is a person or a business entity who is allowed to deal in securities that may not be registered with financial authorities. They are entitled to this access if they satisfy one (or more) requirements regarding income, net worth, asset size, governance status or professional experience. Accredited investors include natural high net worth individuals, banks, insurance companies, brokers and trusts.
Standard criteria used to qualify accredited investors are as follows:
A non-accredited investor is someone who does not meet these net worth requirements.
Non-accredited investors from NY, DE, HI, IL, ME, OR, TX, MA, or RI are invited to invest in our Community Notes; accredited investors are invited to invest in our Impact Notes or Mission Notes.
No, our notes are non-transferable.
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Interested in investing? Contact us with any questions about the HELP Fund or to schedule a meeting with our Fund Director.
Disclaimer: This overview is not an offer to sell nor a solicitation of an offer to buy securities; the offering is made solely by the HELP Fund’s Offering Memorandum.
