Upgrade the equipment now. Pay for it out of the savings.
Four Roots Air Solutions is a participating contractor in GoGreen Business, California’s state-backed energy financing program for small and medium-sized businesses, nonprofits and property owners. Finance HVAC, heat pump, VRF and commercial refrigeration upgrades with no money down, terms up to 15 years, and rates as low as 0% from select lenders while promotional funds last.
Rooftop units, make-up air, walk-ins and ice machines
Comfort and air quality for residents and staff
Packaged units, VRF and controls
Rooftop and split system replacements
Community buildings and halls
How GoGreen Business works
GoGreen Business is run by the California Alternative Energy and Advanced Transportation Financing Authority (CAEATFA) under the State Treasurer’s office. The state does not lend the money. It provides a credit enhancement to participating private lenders, and in return those lenders offer better rates, longer terms and easier approvals than typical equipment financing.
You choose a participating contractor (us), we scope and price the project, and you apply with the lender that fits your project size and term.
What we can finance through GoGreen Business
The state keeps a list of pre-qualified Eligible Energy Measures. These are the ones that match the work we do.
| Category | Eligible measures we install |
|---|---|
| HVAC equipment | Rooftop and packaged units, commercial split and ductless mini-split systems, air-source heat pumps, VRF systems, PTACs, commercial furnaces, efficient make-up air units, dedicated outside air systems (DOAS), heat and energy recovery ventilators |
| HVAC controls and airflow | Rooftop unit controls with VFD supply fan, economizers and dual enthalpy controls, demand controlled ventilation, smart thermostats, energy and building management systems, fault detection and diagnostic alerts, ECM fan motors |
| Ductwork | Duct sealing, duct insulation, duct sizing and optimization |
| Commercial refrigeration | Condensing units and compressor units, variable-speed adaptive refrigeration, ECM and PMSM evaporator fan motors, evaporator fan and defrost controls, floating head pressure control, auto-close doors for walk-in coolers and freezers, anti-condensation heater controls, low-GWP refrigerant systems, Energy Star reach-ins and ice machines |
| Service and optimization | HVAC tune-up and optimization, refrigeration tune-up and optimization |
| Water heating | Heat pump water heaters |
Projects with more than $350,000 in non-lighting work, or measures that are not on the state list, can still qualify with a Professional Engineer or Certified Energy Manager certification, or with a custom utility incentive approval.
Participating lenders at a glance
Each lender sets its own rates, fees and approval terms. This is a summary of what the program lists today, and we will help you pick the right one for your project.
| Lender | Amount | Term | Highlights |
|---|---|---|---|
| Ascentium Capital | $20,000 to $2 million | 12 to 60 months | Go Low rates; fast approval up to $350,000 |
| Verdant Commercial Capital | $25,000 to $5 million | 12 to 84 months | Go Low rates; on-bill repayment option |
| DLL | From $6,000 | 36 to 84 months | Smaller projects; e-sign contracts |
| Prime Capital Funding | $100,000 to $5 million | 36 to 84 months | On-bill repayment option |
| Travis Credit Union | $100,000 to $350,000 | 84 to 120 months | Rate tied to the 10-year Treasury; for property owners |
| Renew Energy Partners | $500,000 to $5 million | 60 to 180 months | Large projects; on-bill repayment option |
Lender list and terms change. See the current list on GoGreen’s business financing page.
How it works with Four Roots
We look at your equipment, ductwork, electrical, roof or mechanical space, and how the building is used.
You get a written proposal that separates eligible energy measures from any non-energy work, so the financing amount is clear.
We help you choose a lender based on project size, term and whether you want on-bill repayment or a Go Low rate.
Once the lender approves, we schedule the work, install, start up and document the project for the program.
Commercial financing questions
Is GoGreen Business a government loan?
No. The loan or lease comes from a private lender that participates in the program. The State of California provides a credit enhancement that helps lenders offer better rates and terms.
Can a tenant use GoGreen Business?
Yes. Tenant businesses and building owners can both apply. If you lease your space, check your lease for who is responsible for HVAC equipment before you start.
How fast can I get approved?
For smaller projects, some lenders approve within a few business hours and do not require financial statements. Larger projects take longer and usually need financials.
Can I finance an emergency replacement?
Often, yes. Simple replacements with efficient equipment are eligible, and fast-approval lenders can move quickly. Tell us up front if the timeline is tight.
Does it work with utility rebates?
Often, yes. Rebate and incentive eligibility depends on the exact equipment and program rules at the time of installation, so we confirm it for your project rather than promise it up front.
Can apartment owners use it?
Yes. Owners of multifamily properties can finance energy upgrades through GoGreen Business. See how we reconfigured rooftop equipment for a Stockton apartment complex.
What about financing for my home?
Residential projects use different programs. See our residential financing options, including GoGreen Home and Synchrony.
Get a real number before you decide.
Schedule a commercial assessment and we will price your project and walk through the GoGreen Business lenders with you.
GoGreen Business financing is provided by participating lenders, subject to credit approval, lender requirements and program rules. Rates, terms, fees and promotional rates are set by each lender. Go Low promotional rates are available from select lenders for qualifying projects while promotional funds last. Four Roots Air Solutions is a participating GoGreen Business contractor. We are not a lender and do not set rates or terms. Program details as of October 2026; see gogreenfinancing.com for current terms.
Pacific Gas and Electric Company (PG&E), San Diego Gas & Electric Company (SDG&E), Southern California Edison Company (SCE) and Southern California Gas Company (SoCalGas) are not making an offer to lend and have no role in reviewing or approving your financing application.
Four Roots Air Solutions | Loomis, CA | CSLB #1147036