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Toronto Energy Retrofit Loan (ERL) Program

Administered by City of Toronto. Commercial, retail, industrial; multi-family residential; condo common areas; social housing; hospitals/LTC; schools/colleges/universities; not-for-profits; hospitality. Farms not applicable in Toronto.

ActivePage dated 2025-10-22; no closure notice.
Max amount
Financing up to 100% of project costs, limits via business case assessment. Fixed rate = City's cost of borrowing; up to 30-yr repayment; up to 1 yr interest/payment-free. Requires min 60% GHG reduction by 2040 plan.
Who qualifies
Commercial

Commercial, retail, industrial; multi-family residential; condo common areas; social housing; hospitals/LTC; schools/colleges/universities; not-for-profits; hospitality. Farms not applicable in Toronto.

Notes

Toronto's commercial PACE-style program — the successor to the High-Rise Retrofit Improvement Support program.

Apply on official program site →

SolarQuotes.ca aggregates public program information — we do not administer this incentive. Verify details on the official program site before applying. Last database review: 2026-08-01.

Other solar incentives in Ontario

Provincial · Commercial
Save on Energy Retrofit Program — Solar PV Incentives (IESO)
Max: Micro-gen (≤10kW): $1,000/kW-DC. Small/medium (>10kW–1MW-AC): $770/kW-AC. Above 1,000kW-AC capped at 1,000kW-AC and 50% of costs. Must complete within 24 months of pre-approval.
Provincial · Farm
Agricultural Stewardship Initiative (OSCIA, Sustainable CAP Ontario) — Energy Categories
Max: Basic Energy Assessment: 50% up to $10,000. Detailed Audit: 50% up to $20,000. Efficiency Improvements: 35% up to $35,000. Larger-Scale Improvements: 35% up to $90,000. Whether solar PV itself qualifies is unconfirmed.
Provincial · Commercial
Agri-Food Energy Cost Savings Initiative (Sustainable CAP Ontario)
Max: Program envelope up to $10 million; per-project max n.a.
Municipal · Both
Toronto Home Energy Loan Program (HELP)
Max: Up to $125,000 or 10% of CVA, whichever less (incl. interest + 2% admin charge). Solar = 20-yr term. Rates to Jun 30 2026: 3.46% (5yr) to 4.86% (20yr).
Municipal · Commercial
Commercial PACE (C-PACE) in Ontario
Max: n.a. — no framework enacted yet.

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