Zero-Interest Financing for Business Customers and Government Agencies

The Energy Efficiency Retrofit Loan Program, or On-Bill Financing (OBF), lets you make facilities improvements without large outlays of cash. PG&E will finance the project, and you pay the loan – interest-free – through your monthly utility bills.

Financing is available to fund many technologies, including lighting, refrigeration, HVAC, and LED street lights. Your project may be eligible for OBF if it qualifies for a rebate or incentive through a PG&E program, including the Customized Incentive Program (CIP), certain PG&E third-party programs, the LED Street Light Program or certain product rebate programs.

Loan funds must be used to purchase and install qualifying energy-efficient equipment. You can use a contractor or install the equipment yourself. PG&E will inspect your facility before you remove old equipment and again after the new products are operating.

Loan terms and monthly payment amounts are determined based on your estimated monthly savings from the new products. Business customers may qualify for loans between $5,000 and $100,000, with loan periods of up to 60 months. Government agencies may qualify for loans between $5,000 and $250,000 per PG&E meter, with loan periods of up to 120 months.

Your PG&E Account Representative can help you determine if your energy efficiency retrofit project qualifies for On-Bill Financing. Contact your Account Representative or call the PG&E Business Customer Service Center at 1-800-468-4743.

NOTE: On-Bill Financing is provided to eligible PG&E customers on a first-come, first-served basis until program funds are no longer available.