EV Charging Station Loans
Financing available for property owners and operators building EV charging infrastructure across Texas.
- Construction and permanent financing available
- One-time close options may be available for certain projects.
- Pricing indicated generally ranges from 7.00% to 9.00% per annum for qualified borrowers; actual rates are determined based on underwriting, project characteristics, and market conditions.
- Construction loan terms generally up to 12 months. Permanent financing, if applicable, may be available upon project completion, subject to underwriting, with terms generally up to 60 months and amortization schedules up to 20 years (which may result in a balloon payment at maturity).
- Available to property owners and third-party charging operators
Electric vehicle adoption is growing, and the demand for charging infrastructure is growing with it. CEFTX’s EV Charging Station Loan helps property owners and third-party operators install charging stations that attract customers, support clean transportation, and create new revenue opportunities.
Whether you own a gas station, manage a hotel chain, or operate a charging network, CEFTX offers financing designed for this type of project.
Federal Incentives Worth Knowing
Several federal programs may reduce the net cost of EV charging installation for eligible projects:
- Alternative Fuel Vehicle Refueling Property Credit (IRS Section 30C): A federal tax credit of up to 30% for qualifying EV charging equipment installed at eligible locations.
- NEVI Formula Program: Federal funding through the National Electric Vehicle Infrastructure program, administered through TxDOT in Texas, for charging stations along designated highway corridors.
- Department of Energy programs: Additional grant and financing support for EV infrastructure projects serving underserved communities and rural areas.
CEFTX recommends consulting a tax advisor and reviewing TxDOT’s NEVI program guidelines to determine which incentives apply to your project. These programs can affect your financing structure and total project cost.
Incentive programs are subject to change and eligibility requirements. CEFTX does not guarantee the availability or applicability of any federal, state, or local incentive.
What This Loan Finances
The EV Charging Station Loan covers the costs associated with constructing and installing EV charging infrastructure at your property or network of sites. Eligible costs may include:
- Equipment purchase — Level 2 chargers, DC fast chargers, and associated hardware
- Electrical infrastructure and utility upgrades required to support charging capacity
- Installation labor and site preparation
- Network management hardware and connectivity
- Permitting and inspection costs
If your project has predevelopment costs not listed above, contact CEFTX to discuss whether they may be eligible.
Who Can Apply
This loan serves two types of borrowers:
Property Owners
If you own a commercial property and want to install EV charging stations for your tenants, customers, or guests, this loan covers the construction and permanent financing for that installation. Eligible property types include:
- Gas stations and fuel retailers
- Hotels and hospitality properties
- Parking facilities and garages
- Retail and mixed-use commercial properties
- Office buildings and business parks
Fleet depots and logistics facilities
Third-Party Operators and Intermediaries
If you are an organization or company that installs and manages EV charging infrastructure on behalf of property owners or as part of a charging network, this loan can finance your station development costs across multiple sites in Texas.
The information provided is for general informational purposes only and is not a commitment to lend or an offer of credit. All loan terms, including rates, fees, structure, and collateral requirements, are subject to change and will be determined based on underwriting and market conditions. Not all applicants will qualify.
Prequalification does not constitute approval or a commitment to lend.
Why CEFTX?
CEFTX is a Texas-based clean energy lender with a focus on financing projects that advance the state’s energy transition. We provide construction and permanent financing for EV charging projects that support a cleaner transportation sector in Texas communities.
Our loan products are structured for the full lifecycle of a charging station project — from construction through permanent operation — with flexible terms designed to fit the realities of commercial EV infrastructure development.