FAQ: Why Does Cleantech Need Loan Guarantees?

Yeah, I know, loan guarantees aren’t the most scintillating topic around, but stay with me. They’re a big deal when it comes to financing big clean energy projects and not really that difficult to understand. Essentially a loan guarantee is a promise by the government to back a loan if the company can’t pay it, and the loan goes into default.

Earlier this week the Department of Energy said it would provide a total of $38.5 billion in loan guarantees spread out across several industries, with $10 billion allocated to renewable energy and electric vehicles, $20.5 billion for nuclear projects and $8 billion for “advanced fossil energy projects.”

This is great for cleantech startups because the federal government has a lot of money and banks consider it to be a reliable borrower. Cleantech startups generally operate at a loss and are considered high-risk borrowers by banks. For any high-risk borrowers (like Uncle Lennie, who has no job and $40,000 in credit-card debt) banks will demand a lot of money up front and a high interest rate before lending money to them. With plants for solar cells or facilities for solar thermal electricity generation ranging in costs from millions to billions, it’s pretty challenging to raise that kind of capital.

And even if the company can scrounge together hedge funds or venture funds to provide the down payment for plants, high interest rates still translate into higher costs, which is then passed on to the consumer of renewable electricity.

Let’s do the math: Say to build a plant a startup has raised $500 million, which is 80 percent of the down payment. It still needs to borrow $100 million that needs to be paid back over the next 10 years. If the startup is charged a high interest rate — let’s say 12 percent — the monthly payments on that loan are $1.4 million. With a loan guarantee it has a chance of getting a more reasonable interest rate, of let’s say 6 percent, which brings the monthly payments to $1.1 million. Over the life of the loan those 6 percentage points cost the company about $39 million. This kind of math works for consumers, too.

So federal loan guarantees, which only cost taxpayers if the startup can’t pay its debt, are a nice way of offsetting risk without having to create a direct subsidy. Of course, the government is on the hook if the startup fails (and some of them will), but by lowering borrowing costs the government is helping the clean energy industry get over some of the humps associated with building a capital-intensive industry from the ground up.

 

Comments (65)

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    Mr John Bennett — 6:44 PM on May 12, 2009 Reply

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    Faith — 2:27 PM on May 16, 2009 Reply

  • Hi I am Tony Walker I graduated three month ago from the university before I graduate it was very hard for me to pay my fees as my parents was not able so I have no choice other than to apply for a loan online and a friend introduce me to Harry White who is the chairman and managing director of harrywhiteloanfirm and I was give a loan today I am grateful to this man who made me who I am,so if you are looking for a loan online and dont want to be scam I will advise you to contact him via email harrywhiteloanfirm60@yahoo.com

    Walker — 2:40 PM on May 16, 2009 Reply

  • There is obviously a lot to know about this. I think you made some good points in this subject. So, just want to say great job!

    Jennifer R.12:18 AM on May 20, 2009 Reply

  • Goodday,
    We Offer Private, Commercial and Personal Loans with very Minimal annual Interest Rates as Low as 1.5% within a 1year to 50 years repayment duration period to any part of the world. We give out
    loans within the range of $5,000 to $100,000,000 USD.
    Our loans are well insured for maximum security is our priority Are you losing sleep at nights worrying how to get a Legit Loan Lender? Are you biting your fingernails to the quick? Instead of beating yourself up, call Capital Investment Solution now, Loan specialists who help stop Bad Credit History, to discover a win solution which is Our Mission.
    * Are you financially Squeezed?
    * Do you seek funds to pay off credits and debts?
    * Do you seek finance to set up your own business?
    * Are you in need of private or business loans for various purposes?
    * Do you seek loans to carry out large projects?
    * Do you seek funding for various other processes?
    * If you have any of the above problems, I can be of assistance to you but I want you to understand that I give out my loans at an interest rate of 1.5%.
    * Borrow up to $100,000,000 USD.
    * Choose between 1 to 50 years to repay.
    * Choose between Monthly and Annual repayments Plan.
    * Flexible Loan Terms.
    Interested Persons should contact me via email.
    E-mail : richardloan_lenders@yahoo.com

    Thanks.

    Richard — 8:40 PM on May 23, 2009 Reply

  • UNIQUE LOAN TRANSACT…

      APPLY NOW AS WE GIVE OUT LOAN WITH LOW INTEREST RATE OF 3%,....
    

    WE WILL LIKE TO INFORM YOU ALL IN NEED OF FINANCIAL ASSISTANT,
    THAT AN APPROVED AND REGISTERED LOAN

    LENDER, Mr ROLLAND DAVID (ROLLANCE LOAN FIRM) RLF…,
    HAS COME AS A GOD SENT TO EVERY ONE WHO FIND IT

    DIFFICULT TO MEET UP WITH HIS/HER FINANCIAL NEEDS,

      LOAN FOR A  BUSINESS EXPANSION,
      LOAN FOR A BUSINESS START UP,
      LOAN TO PAY BILLS,
      ALL PURPOSE LOAN WITHOUT STRESS, AND AS FAST TRANSACTION....,
    

    ………………………………………………………………………………………………………….
    …………………………………………………………………………………………………………..
    WE GIVE LOAN FOR A LEGITIMATE REASON,
    OUR ABILITY IS TO GIVE THE BEST OF OUR SERVICE TO OUR CLIENT WHO

    IS SERIOUS TO DOING BUSINESS WITH US,

    OUR CONTACT FOR FURTHER INFORMATION,………………

    EMAIL:rollanceloanfirm@sify.com

    Mr Rolland David — 10:55 AM on June 1, 2009 Reply

  • My dear,

    Are you looking for a loan?
    Are you looking for a personal loan?
    Are you looking for secured and unsecured loan?
    Are you looking for a loan to pay off bills?
    Are you looking for mortgage loan, construction loans?

    What kind of loan are you looking for?

    Then all you have to do is to contact Mr. Rudi Huber a legitimate loan lender located in the United kingdom via this E-mail address: europeanfinance@live.com

    You can still call him via this Telephone number for your loan enquiring

    Tel: +4470359 96848

    Mr. Chris Drolly — 11:02 AM on June 25, 2009 Reply

  • I am Mr Lisa Lee , i am a private loan lender,i do offer registered and legitimate loan at 4% and at a duration of 5years.This offer is only for serious borrowers within the age of 18yrs and above..We do offer secured loan for all purpose without collateral.We do offer loans with from a minimum sum of $2,500USD to a maximum sum of $5millionsUSD…If you are interested in this company service,you are send to us this details listed below:

    Full Name
    Address
    Occupation
    Age
    Martial Status
    City
    State
    Country
    Monthly Income
    Purpose of Loan
    Amount Needed
    Mobile
    Fax
    E-mail

    You are to send to us this information via
    lisalee@live.com
    Warm Regards,
    Mrs Lisa Lee

    Mrs Lisa Lee — 1:39 AM on June 26, 2009 Reply

  • Dear Friend,

    My name is Ose Ehia , when i was in search to get a loan, I was scam of $5,200.00 and a friend introduced me to this God fearing man. Dr. Phing Phings of Union Financial Service, who gave me a loan of $85,000.00 with 3% interest rate. You contact him via email: morganloanlendingfirm02@gmail.com

    Regards,

    Mrs Ose Ehia

    Mrs Ose Ehia6:15 AM on July 1, 2009 Reply

  • Hi, I cant understand how to add your site in my rss reader. Can you Help me, please :)

    Korth1:13 AM on July 2, 2009 Reply

  • just send me an email at morganloanlendingfirm02@gmail.com and tell me what you need okay..

    Ose Ehia2:38 AM on July 2, 2009 Reply

  • just email:mikesmithloans@gmail.com for more informations on your loans

    mike — 5:28 AM on July 13, 2009 Reply

  • Beware of scamers. I was scammed by a lending firm in usa, I had a very bad experience until I got another lender Henry Ford in Italy who now gave me a loan. I promise him that I will help him get other clients. so I will. To contact henry ford is email: divineloankonsult@live.com.

    Davis Paulson6:26 AM on July 15, 2009 Reply

  • We are offering loans at 3% interest rates. Contact us today via mail: jennywhitelenders@gmail.com

    Jenny — 11:12 AM on July 15, 2009 Reply

  • I AM Mrs SUNSAN.MACK. THE PUBLIC RELATION OFFICER (P.R.O.) OF A REGISTERED FINANCIAL LOAN COMPANY.WE OFFER OUT LOANS TO BOTH COMPANIES ANDINDIVIDUALS AT AN AFFORDABLE INTEREST RATE OF 3% BE IT SHORT OR LONG
    TERM LOAN:susan.mack783@gmail.com

    LOAN APPLICATION FORM FILL AND RETURN IT BACK

    1) Full Name:…………………….
    2)Gender:………………………….
    3) Loan Amount Needed:……………….
    4) Loan Duration:…………………………..
    5) Country:……………………………..
    6) Home Address:………………………….
    7) Mobile Number:………………………….
    8) fax Number:……………………….
    9) Occupation:…………………………
    10) Work Address:…………………………
    11) Purpose of Loan……………………….
    12) Marital Status:………………………….
    13) Date Of Birth………………………….

    Thanks and God Bless,
    Best Regards,
    Mrs SUNSAN.MACK

    Mrs SUNSAN.MACK — 4:00 AM on July 16, 2009 Reply

  • Are you thinking of getting a loan from a private lender with low interest, we offer a variety of loans to our customers. Whatever your loan needs are, large or small, personal or mortgage, we are ready to talk with you about how we can meet your needs and also get a very legit loan.You are sure of getting a loan from our firm.Contact us today for your loan via our mailing address:adolphmicrofinanceplc@gmail.com

    Mr Adolph — 6:03 AM on September 4, 2009 Reply

  • Hello ,I am Mr Edmond.w.Duggan, a private Loan lender and a cooperate financial
    for real estate and any kinds of business financing. I also offer Loans to
    individuals, Firms and cooperate bodies at 2 interest rate We offer any
    kind of loans,secure and unsecured loan,you can contact us via our mailing address:dwinsletloaninvestment@gmail.com

    Mr Adolph — 6:06 AM on September 4, 2009 Reply

  • Hello ,I am Mr Davidson, a private Loan lender and a cooperate financial
    for real estate and any kinds of business financing. I also offer Loans to
    individuals, Firms and cooperate bodies at 2 interest rate We offer any
    kind of loans,secure and unsecured loan,you can contact us via our mailing address:dwinsletloaninvestment@gmail.com

    Mr Davidson — 6:07 AM on September 4, 2009 Reply

  • ATTN

    I got my loan from Mr Benny Raymond loan agency plc i will advice you get yours there now he is very kind and honest,a very good friend of mine direct me to Benny.is email address below,johnson_williams92@hotmail.com

    johnson3:04 AM on September 11, 2009 Reply

  • Attn
    Get a loan today at low rate apply now loans are given at a rate of 3% apply now this can increase your business to a greater hight. We are offering Loan to business and personal people, if you need a Loan to start up a business or Loan to pay off bills do contact us now and get a Loan from our Company…I render the best Loan services My regardS CONTACT US AT ; lucianoloan.investment@gmail.com

    JOHNSON5:29 AM on September 13, 2009 Reply

  • Hello and thanks for getting to this message as quickly as you did….. Because we have adversely been affected by the high rate of scams, we decided to get across to customers worldwide who are really in need. If you waited 3 hours before seeing this, you would probably be kicking yourself.

    DIAMOND BROAD FINANCE is a Reputable Private Investor/Lender with a rating on the BBB. We run a worldwide financial organisation that provides soft & hard loans to individuals and corporate bodies in need of genuine financial assistance. Do you have a bad credit or are you in need of money to aid your business, pay bills etc, avoid bankruptcy today, eliminate the Hassle of Dealing with Conventional Lenders and banks! Because (DIAMOND BROAD FINANCE) provides incredible financial assistance as we will be glad to offer you financial assistance or a loan for as low as 5% interest rate, which is of course negotiable and a repayment period of 2 to 30 years.

    Are you having extreme difficulty in securing a loan from your bank? Don’t feel disappointed if they refused granting you a loan for no good enough reason. Apply now and get your loan request, anywhere in the world. Our organisation delivers its services so fast and consistently that some customers have likened us to be a charity organisation. we provide loans to individuals who are truely in great need of financial assistance at little interest.

    We grant loans of all types ranging from individual or Personal loans, homeowners Loans, professionals Loans, businesses Loans and other qualified borrowers.We also have Unique financing alternatives – Not made available by most “traditional” lenders like: Import & Export Financing, Irrevocable Letters of Credit, Contract & Purchase Order Financing,Tax-Deductible Sale-Leaseback Financing,rehab loans,holiday/vacation loans, Post Receivable Financing ,Factoring … and much, MUCH more!

    It gets better as we do not encourage lending at exorbitant interest rates, hence the need arouse that once we have made some amount of profit, we try as much as possible to give back as much as we could. we also provide loans for humanitarian causes. At financial aids,securing a loan for the benefit of you and your family is as easy as A B C, we do not demand impossible conditions,we offer secured and unsecured loans with no up-front fees, bad credit or no credit rating-not a problem! So apply now and your funds will be made available immediately.At DIAMOND BROAD FINANCE, we are not concerned about excess profit making,our goal is changing of lives and touching people positively.Avoid scams today! APPLY NOW by sending us an e-mail to

    DIAMOND BROAD FINANCE LOAN SERVICE!!
    TAUNTON AVENUE
    CARDIFF
    LLANRUMNEY
    CF3 4
    United Kingdom
    Email: customercare@diamondfinances.org
    Tel: +447035982739
    Fax: +447038352100

    DIAMOND BROAD FINANCE LOAN SERVICE!! — 2:44 PM on October 22, 2009 Reply

  • Good Day,

    I am a private lender i give out real and legitgimate loan offer to those in financial distress, i am out to help people with my easy loans meet up with their financial differences, so i also saw your add as regards your request in taking a loan to start up a buisness.
    so will want you to get back to me if you really need this loan.
    NOTE:that you can be only approved for the loan amount that is required by you if you are really serious and not suspected to be a scam.

    Below are the informations we need to start this transaction if you are interested in taking a loan from me.
    FIRST NAME——
    LAST NAME——
    AMOUNT NEEDED TO LOAN–
    LOAN DURATION——
    PURPOSE FOR LOAN——-
    COUNTRY——
    STATE———
    CITY———-
    OCCUPATION——-
    MONTHLY INCOME—–

    As soon as this is sent to us we will start processing your loan amount immediately.

    I await your response to my mail kate_doore@yahoo.com
    Best Regards
    Kate Doore

    Kate Doore — 5:14 AM on November 6, 2009 Reply

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