The document proposes a new initiative called Ethical Energy where large energy users in a Business Improvement District join together through a central brokerage service to procure utilities. This allows them to reduce costs through bulk purchasing power while also establishing a green loans fund. The green loans fund provides 0% interest loans to local small and medium enterprises to implement energy reduction initiatives, with the loans paid back from the savings over 12 months. Any additional funds would be reinvested in the local community through carbon offsetting projects. The initiative aims to save large energy users money while also benefiting the local SME community and environment.