SEF is a Utah-grown nonprofit lender dedicated to helping families, builders, and local leaders create better housing and energy solutions.
We believe Utah families deserve homes that are affordable, efficient, and built to last. By financing practical housing and energy projects, SEF helps strengthen communities across our state while safeguarding the future for generations to come.


SEF was founded as a nonprofit 501(c)3 to meet a clear need: flexible, community-driven financing for affordable, reliable, and efficient housing and energy projects. We work alongside homeowners, developers, contractors, and governments to make practical solutions possible – especially in communities that are often overlooked by traditional lenders.
We combine trusted local knowledge with responsible financial stewardship to help projects move forward where they’re needed most.
SustainEnergyFinance partners with families, builders, and communities across Utah. Explore the places where we've helped finance housing and clean-energy projects.
SEF’s leadership team brings together deep experience in finance, community development, and energy. We’re proud to be women-led and rooted in Utah values.
We collaborate with foundations, public agencies, and peer community lenders to scale practical solutions across Utah.

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