EnerBank USA is a wholly owned subsidiary of CMS Energy Corporation and a strategic partner of NAHB Remodelers. Located in Salt Lake City, the bank provides unsecured home improvement loan programs. It also offers home energy loans, as well as customized, private-label loan programs to large sponsors. EnerBank USA additionally provides a special express loan program to independent contractors and small companies. It helps customers pay for unexpected and emergency replacement work. The bank offers training material and sessions for participating contractors and dealers. Its advanced business model and quality-controlled work flow processes help to protect sponsors, their authorized dealers and independent contractors from financial issues. EnerBank USA also offers detailed monthly reports on various loan programs performances.