In order to participate in this program, the entity requesting the loan must assess existing energy use by participating in the Retrofit Energy Assessment for Loan (REAL) process. This ensures that energy efficiency measures funded by the loan will provide savings greater than the loan payments. Borrowers must obtain an investment grade audit, which determines the energy efficiency measures eligible for a loan. All improvements must be completed within one year of closing on the loan. There is no prescribed maximum loan amount or loan term; these are subject to AFHC approval.