How On-Bill Financing Works

This guide explains the mechanism of on-bill financing, where repayments for energy-related upgrades are integrated into monthly utility bills, and highlights its potential for promoting equity and accessibility.

• On-bill financing is a system where repayments for financing are processed monthly via an existing utility bill. The Environmental and Energy Study Institute (EESI) advocates for program designs that prioritize equity, affordability, and accessibility to benefit families and include households that are usually excluded from energy efficiency programs.
• On-bill financing is applicable to more than just energy efficiency upgrades; it can be used for 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} }