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A joint letter from energy and environmental organizations urging the U.S. Congress to include support for innovative energy efficiency and renewable energy financing programs, specifically on-bill financing, in a post-coronavirus economic stimulus package.

This research paper examines on-bill financing as a tool to expand access to energy efficiency, clean energy, and electrification, particularly for low-to-moderate-income (LMI) households and rural communities. It highlights how specific program designs—such as tying obligations to utility meters and using payment history instead of credit scores—can overcome traditional financial barriers and address racial and income disparities in clean energy adoption.

This guide, prepared by Collaborative Efficiency and Michigan Saves with support from the Environmental and Energy Study Institute (EESI), introduces on-bill financing (OBF) as a mechanism for municipal utilities and electric cooperatives to overcome financial barriers to energy efficiency and renewable energy investments.

This fact sheet describes the "Help My House" on-bill financing pilot program implemented by South Carolina electric cooperatives to increase residential energy efficiency in a region with lower-than-average family incomes.

This briefing describes the proposed Rural Energy Savings Program (RESP), a legislative initiative designed to provide low-interest loans to rural homeowners for energy efficiency improvements via on-bill financing through the USDA's Rural Utilities Service.

This case study describes the Epic Homes Program, an on-bill financing initiative launched by Fort Collins Utilities in mid-2018 to support residential energy efficiency and clean energy upgrades in Fort Collins, Colorado.

This guide explains how on-bill financing (OBF) can increase the adoption of distributed solar energy by removing financial barriers for families and businesses, particularly those in underserved communities.

This guide from the Environmental and Energy Study Institute outlines various capital sources and risk management strategies for municipal electric utilities developing on-bill financing (OBF) programs for energy efficiency and clean energy projects.

This case study describes community solar projects with on-bill financing options implemented by three utilities in the United States: Grand Valley Power Cooperative in Colorado, Cedar Falls Utilities in Iowa, and Lake Region Electric Cooperative in Minnesota.

This case study describes the Green Energy Money $aver (GEM$) On-Bill Program in Hawaii, launched in April 2019 by the Hawaii Green Infrastructure Authority (HGIA). The program provides no-upfront-cost financing for clean energy improvements—such as solar PV and water heaters—for renters, low-to-moderate income households, nonprofits, and small businesses, with repayments made through monthly utility bills.

The Help My House (HMH) Loan Pilot Program tested the use of on-bill financing (OBF) to implement energy efficiency measures in 125 homes served by South Carolina's electric cooperatives. The program demonstrated that OBF can significantly reduce residential electricity use and costs while maintaining high member satisfaction, serving as a cost-effective alternative to new power generation investment.

This guide outlines three federal financing programs offered by the US Department of Agriculture’s Rural Utilities Service (RUS) to help rural electricity providers develop commercial and residential energy efficiency loan programs, specifically focusing on on-bill financing options.