EESI’s On-Bill Financing (OBF) Project

<!DOCTYPE html> <html lang="en"> <head> <meta charset="utf-8"> <meta name="viewport" content="width=device-width, initial-scale=1.0"> <meta name="description" content=""> <meta name="author" content="Environmental and Energy Study Institute (EESI)"> <link rel="shortcut icon" href="/assets/ico/favicon.png"> <title>EESI’s On-Bill Financing (OBF) Project | EESI</title> <link rel="alternate" type="application/rss+xml" href="/rss/all" title="RSS feed for EESI">  <script type="text/javascript" src="//use.typekit.net/vbf6pwd.js"></script> <script type="text/javascript">try{Typekit.load();}catch(e){}</script>  <link href="//netdna.bootstrapcdn.com/font-awesome/4.0.3/css/font-awesome.css" rel="stylesheet"> <link rel="stylesheet" type="text/css" href="/assets/css/bootstrap.css"> <link rel="stylesheet" type="text/css" href="/assets/css/theme.css">  <style> .obfsubnav{ margin-bottom:30px; overflow:hidden } .obfsubnav li.active > a{ font-weight:600; font-size:20px; background-color:#00437c; 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{"data_track_addressbar":false};</script> <script type="text/javascript" src="//s7.addthis.com/js/300/addthis_widget.js#pubid=ra-5284f66720239dd4"></script>  <div class="featured-slideshow"> <div class="slideshow-overlay hidden-xs"></div> <img src="/images/content/EESIPrograms_780.jpg" class="img-responsive" data-cycle-title="<a href=/obf/case-study>EESI-Supported OBF Programs<span class='arrow glyphicon glyphicon-chevron-right'></span></a>" > <img src="/images/content/power_lines_780.jpg" class="img-responsive" data-cycle-title="<a href=/articles/view/colorado-utility-launches-innovative-financing-tool-for-battery-storage>Colorado Utility Launches Innovative Financing Tool for Battery Storage<span class='arrow glyphicon glyphicon-chevron-right'></span></a>" > <img src="/images/content/Map-Utilities-with-On-Bill-Financing-Programs.png" class="img-responsive" data-cycle-title="<a href=/obf/map>Interactive Map of Utilities with On-Bill Financing Programs<span class='arrow glyphicon glyphicon-chevron-right'></span></a>" > <img src="/images/content/PV_OBF_780.jpg" class="img-responsive" data-cycle-title="<a href=/OBF/coops/faq>Frequently Asked On-bill Financing Questions<span class='arrow glyphicon glyphicon-chevron-right'></span></a>" > <img src="/images/content/PR_780.jpg" class="img-responsive" data-cycle-title="<a href=/articles/view/new-co-op-plans-to-increase-energy-security-and-resilience-in-puerto-rico>New Co-op Plans to Increase Energy Security and Resilience in Puerto Rico<span class='arrow glyphicon glyphicon-chevron-right'></span></a>" > <img src="/images/content/book_780.jpg" class="img-responsive" data-cycle-title="<a href=/OBF/coops/resources>On-bill Financing Resources<span class='arrow glyphicon glyphicon-chevron-right'></span></a>" > <div class="slideshow-pager"></div> </div> <section id="interior-page-content"> <div class="hidden" id="injectable-expandable-text"> </div> <p>The Environmental and Energy Study Institute’s (EESI) on-bill financing initiative – part of its broader <a href="https://www.eesi.org/Access-Clean-Energy-Savings">Access Clean Energy Savings</a> program – is a nationwide effort to help utilities implement programs that provide cost-effective energy upgrades to homes and businesses. “On-bill financing” is a mechanism where financing repayments are made monthly through an existing utility bill. EESI emphasizes on-bill financing programs that promote equity, affordability, and accessibility through program designs that provide immediate financial and quality-of-life benefits to participating families and that work to include households typically excluded from energy efficiency programs.</p> <p>EESI’s innovative on-bill financing model first began in partnership with South Carolina rural electric cooperatives (co-ops) to develop the successful <a href="https://www.eesi.org/obf/case-study/helpmyhouse">“Help My House” program</a>. Now, EESI works with other co-ops and public power utilities (munis) from across the country to explore, design, implement, and evaluate their own on-bill financing programs. This includes helping rural utilities to connect to USDA’s <a href="https://www.eesi.org/Rural-Energy-Savings-Program">Rural Energy Savings Program</a>, which provides no-interest loans for on-bill programs. EESI’s initiative is grant-funded, allowing EESI to provide this assistance to utilities and related stakeholders for free.</p> <p>Since 2010, the program has provided free technical assistance to more than 35 utilities in more than 20 states and has helped more than a dozen utilities launch their on-bill programs while helping improve a number of existing programs. (<a href="https://www.eesi.org/obf/case-study">Learn more about EESI-supported OBF programs.</a>)</p> <table align="center" border="0" cellpadding="1" cellspacing="0" style="width: 650px;"> <tbody> <tr> <td style="vertical-align: middle; background-color: rgb(255, 255, 255);"> <p style="text-align: center;"><iframe allow="accelerometer; autoplay; encrypted-media; gyroscope; picture-in-picture" allowfullscreen="" frameborder="0" height="243" src="https://www.youtube.com/embed/ajQJddz4OWI" width="450"></iframe></p> </td> <td style="vertical-align: middle; background-color: rgb(255, 255, 255); text-align: center;"> <p>Learn what a difference "Help My House" made for Diane Taylor of Monetta, SC. Diane is now saving up to $250 a month in energy bills!</p> <a href="https://www.eesi.org/obf/case-study/helpmyhouse"><img alt="" src="/images/content/Button-OBF_Featured_Page_v1_1.png" style="width: 200px; height: 87px;" /></a></td> </tr> </tbody> </table> <p> </p> <p><strong>The Opportunity</strong></p> <p>There are more than 900 electric co-ops and 2,000 public power utilities in the United States, all operating on a not-for-profit basis. Combined, they deliver power to 26 percent of U.S. households. These utilities are particularly integral for America’s rural communities because they provide vital services to towns and farms that were ignored by for-profit utilities during the electrification boom of the early 20th century. Despite – or perhaps due to – their small size, co-ops, and munis have been important laboratories for innovative on-bill financing programs. Together, they operate more than <a href="https://www.eesi.org/obf/map">80 on-bill programs</a>, some of which are more than 30 years old. But it is the programs launched over the past decade that have successfully evolved on-bill programs to deliver deeper savings and expand accessibility. These changes have led to national attention, offering the opportunity for great scale and replication.</p> <p>On-bill financing is an exciting opportunity to expand residential energy efficiency and clean energy efforts into underserved markets. Many families are unable or unwilling to access traditional energy upgrade programs because they require upfront investments before tax incentives and/or rebates kick in. Likewise, many households are unable or unsure of how to access traditional financing programs to invest in energy upgrades. On-bill financing can help overcome this, but the approach works best when projects are designed to be cash-flow positive and applicants are approved through non-traditional means (such as good utility bill payment history instead of credit scores). Some on-bill financing programs expand the potential participant pool further to renters and short-term owners by allowing for the repayment obligation to change hands when the property is sold or new renters move in, helping to break down split-incentive barriers.</p> <p>On-bill financing programs benefit far more than just participating households and businesses. Local communities benefit through increased economic activity in the service area and region, including job and wealth creation. Utilities that run these clean energy financing programs benefit from improved customer relationships and peak load reductions, which can help avoid the need for new power generation facilities and help meet energy reduction goals.</p> <table align="center" border="0" cellpadding="1" cellspacing="0" style="width: 650px;"> <tbody> <tr> <td style="vertical-align: middle; background-color: rgb(255, 255, 255);"> <p style="text-align: center;"><iframe allow="accelerometer; autoplay; encrypted-media; gyroscope; picture-in-picture" allowfullscreen="" frameborder="0" height="243" src="https://www.youtube.com/embed/GZ9o7xdVAkU" width="450"></iframe></p> </td> <td style="vertical-align: middle; background-color: rgb(255, 255, 255); text-align: center;"> <p>Chad Lowder, the CEO of Tri-County Electric Cooperative in South Carolina, discusses how rural electric cooperatives, such as his, are helping their members save energy to reduce energy bills. </p> <a href="https://www.eesi.org/obf/case-study/helpmyhouse"><img alt="" src="/images/content/Button-OBF_Featured_Page_v1_1.png" style="width: 200px; height: 87px;" /></a></td> </tr> </tbody> </table> <p> </p> <p><strong>Getting Started</strong></p> <p>For more information on EESI's On-Bill Financing project, please click on the following links. </p> <p><a href="http://www.eesi.org/obf/coops/assistance">Click here to learn more about how EESI can help</a></p> <p><a href="https://www.eesi.org/OBF/coops/financing">Click here for information about the RESP and other co-op capitalization options</a></p> <p><a href="http://www.eesi.org/obf/coops/helpmyhouse">Click here to learn more about Help My House in South Carolina</a></p> <p><a href="https://www.eesi.org/obf/case-study">Click here to explore other EESI-supported on-bill financing programs</a></p> <p> </p> <h4><strong>Additional On-Bill Financing resources on EESI's website:</strong></h4> <ul> </ul> <p> <a href="https://www.eesi.org/page/On-Bill+Financing">View more entries tagged as On-Bill Financing</a> </p> </section>  </div>  <aside id="sidebar" class="col-md-4"> <nav class="obfsubnav"> <ul class="nav nav-pills nav-stacked" id="obf-side-nav"> <li class="active"> <a href="/OBF/main">OBF Home</a> </li> <li class=""> <a href="/obf/how-obf-works">How OBF Works</a> <ul class="nav2 nav-pills nav-stacked"> <li class=""><a href="/obf/how-obf-works/energy-equity">Energy Equity</a></li> <li class=""><a href="/obf/how-obf-works/obf-program-design-options">OBF Program Design Options</a></li> <li class=""><a href="/obf/how-obf-works/obf-for-distributed-solar">OBF for Distributed Solar</a></li> <li class=""><a href="/obf/how-obf-works/obf-for-community-solar">OBF for Community Solar</a></li> <li class=""><a href="/obf/how-obf-works/obf-for-bess">OBF for Battery Storage Systems</a></li> <li class=""><a href="/obf/how-obf-works/obf-for-energy-resiliency">OBF for Energy Resiliency</a></li> </ul> </li> <li class=""> <a href="/obf/coops/assistance">How EESI Can Help</a> <ul class="nav2 nav-pills nav-stacked"> <li class=""><a href="/Rural-Energy-Savings-Program">Financing Options: RESP</a></li> <li class=""><a href="/obf/pairee">PAIREE</a></li> </ul> </li> <li class=""> <a href="/obf/case-study">EESI-Supported Programs</a> <ul class="nav2 nav-pills nav-stacked"> <li class=""><a href="/obf/case-study/helpmyhouse">South Carolina: Help My House</a></li> <li class=""><a href="/obf/case-study/OPALCO">Washington: OPALCO Switch It Up!</a></li> <li class=""><a href="/obf/case-study/hollandMI">Michigan: Holland On-Bill Loans</a></li> <li class=""><a href="/obf/case-study/FortCollins">Colorado: Fort Collins Epic Homes</a></li> <li class=""><a href="/obf/case-study/hawaii">Hawaii: GEM$ On-Bill Program</a></li> </ul> </li> <li class=""> <a href="/obf/coops/resources">Resources</a> <ul class="nav2 nav-pills nav-stacked"> <li class=""><a href="/obf/map">Interactive Map of OBF</a></li> <li class=""><a href="/obf/coops/faq">FAQ</a></li> <li class=""><a href="/obf/resources/non-eesi-case-studies">Non EESI Case Studies</a></li> </ul> </li> </ul> </nav> <nav class="subnav"> <table border="0" cellpadding="1" cellspacing="1" style="width: 100%;"> <tbody> <tr> <td style="background-color: rgb(255, 204, 204);"> <p><strong><big>"How-to-Guide: Launching an On-Bill Financing Program" — <a href="/obf/howtoguide" target="_blank">Download here</big></strong></a> </p> </td> </tr> </tbody> </table> </nav> <nav class="subnav"> <a href="/files/Access_Clean_Energy_Savings-EESI.pdf" target="_blank"><img alt="" src="/images/content/Access_Clean_Energy_Savings-EESI-Download.jpg" style="width: 100%;" /></a> </nav> <nav class="subnav"> <table border="0" cellpadding="1" cellspacing="1" style="width: 100%;"> <tbody> <tr> <td style="background-color: rgb(255, 204, 153);"> <p><strong><big>For more information: </big></strong></p> <ul> <li><a href="mailto:myanez@eesi.org?subject=On-Bill%20Financing"><big>Miguel Yanez</big></a> <br /> (202) 662-1882</li> </ul> </td> </tr> </tbody> </table> </nav> <section class="newsletters sidebar-component"> <h3 class="title">Newsletters        <a class="btn btn-primary signup" href="/subscribe">Sign Up</a></h3> <ul class="links"> <li><a href="/newsletters/climate-change-solutions">Climate Change Solutions</a></li> <li><a href="/newsletters/eesi-impact">EESI Impact</a></li> </ul> </section> <section class="tags sidebar-component"> <h3 class="title">Tags / Keywords</h3> <ul class="links"> <li><a href="https://www.eesi.org/page/On-Bill+Financing">On-Bill Financing</a></li> </ul> </section> </aside> </div> </div>   <div class="col-sm-hidden" id="splash-page-popups"> </div> <footer id="footer"> <div class="container"> <div class="row"> <div class="col-sm-6 col-md-4"> <h5 class="title">Environmental and<br>Energy Study Institute</h5> <p> 1020 19th Street, NW, Suite 400<br> Washington, DC 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EESI’s On-Bill Financing (OBF) Project | EESI