How On-Bill Financing Works

On-bill financing allows participants to make monthly repayments for energy upgrades through their existing utility bills. The Environmental and Energy Study Institute (EESI) advocates for program designs that prioritize equity and accessibility for households typically excluded from energy efficiency initiatives. Beyond energy efficiency, these programs can be applied to distributed solar, community solar, and battery storage.

• On-bill financing is a system where repayments for upgrades are integrated into a user's monthly utility bill.
• EESI supports on-bill financing models that focus on affordability and equity to reach families and households that are usually left out of energy efficiency programs.
• The application of on-bill financing extends beyond energy efficiency to include battery storage, community solar, and distributed solar.

APA

Environmental and Energy Study Institute (n.d.). How On-Bill Financing Works. https://www.eesi.org/obf/how-obf-works/

Chicago

Environmental and Energy Study Institute. How On-Bill Financing Works. n.d. https://www.eesi.org/obf/how-obf-works/.

Wikipedia

{{cite report |author=Environmental and Energy Study Institute |title=How On-Bill Financing Works |url=https://www.eesi.org/obf/how-obf-works/ |access-date=17 August 2026 |via=Climate Insights Directory}}

BibTeX

@techreport{environmentalandenergystudyinstitutendhow, author = {{Environmental and Energy Study Institute}}, title = {{How On-Bill Financing Works}}, institution = {Environmental and Energy Study Institute}, url = {https://www.eesi.org/obf/how-obf-works/}, urldate = {2026-08-17}, note = {Indexed by Climate Insights Directory} }