On-Bill Financing (OBF) Program

PG&E offers 0% financing loans for replacing old and worn-out equipment with more energy-efficient models

We'll set you up with a loan repayment amount that is in line with the monthly energy savings from your upgrade. Once your loan is paid off, you will see savings on your bill.

*PG&E is limiting OBF loans to a maximum of $4,000,000 per customer in total. This maximum will be applied across multiple loans, where applicable. This limit will be calculated based on a customer's outstanding loan balance and is being put in place to maximize the number of participating customers. Projects may not combine rebates/incentives AND an OBF loan for loans over $250,000. (including Government Agency and Multifamily Projects)

**Tier 1A is an alternate qualification pathway for OBF customers seeking an OBF loan between $5,000 and $100,000 with loan periods of up to 72 months. Only a select list of simple, like-for-like replacement measures are eligibile for this tier. The energy savings quality control will be automated through the Tier 1A application workbook template. Tier 1A projects do not require a QA engineering or technical review.

Step 1: Select Project Developer

A PG&E account representative will assist in providing a project developer list in your area.

Step 2.  Submit for credit Eligibility:

Project Developer will submit credit application inquiry.

Step 3. Schedule site visit with PD

PD will document existing conditions, recommend upgrades, provides quote and request signatures to release utility data to develop the estimated savings for technical review.

Step 4: Project submitted to PG&E

Technical reviewer to determine equipment eligibility and copy of contract to reserve funds prior to start of installation. Please visit A Practical Guide for Businesses for additional details.  

 Note: PG&E offers On-Bill Financing to our eligible customers on a first-come, first-served basis until program funds are no longer available. *Where, in PG&E's sole opinion, unique opportunities to capture large energy savings exist and all other EEF loan program terms will be met, the sum of the loan amounts for a government agency customer's premises may exceed two hundred fifty thousand dollars ($250,000) up to a maximum of four million dollars ($4,000,000). Talk to a PG&E account representative for more information. Energy efficiency funds, including On-Bill Finance loan funds, are public funds. Depending on the project and type of work performed, a project that receives Energy Efficiency or On-Bill Finance loan funds may be considered a public work (as defined under Labor Code section 1720 et. seq.). For information on the rules and regulations that apply to public works, including payment of prevailing wages, see the Department of Industrial Relations website.

• On-Bill Financing Customer and Contractor Handbook (PDF)
• Financing Supplement to the On-Bill Financing Program Application (PDF)
• On-Bill Financing for Energy Efficiency Upgrades (PDF)
• On-Bill Financing for Energy Efficiency Upgrades Chinese (PDF)
• On-Bill Financing for Energy Efficiency Upgrades Korean (PDF)
• On-Bill Financing for Energy Efficiency Upgrades Spanish (PDF)
• On-Bill Financing for Energy Efficiency Upgrades Vietnamese (PDF)

If you don't qualify for OBF, check out Go Green Financing.

Finance energy efficiency projects and equipment for your small business

PG&E supports GoGreen Business Energy Financing, a State of California administered program that provides private market financing with low financing and favorable terms.

Loans up to $5,000,000 are available to owners or lessees of business properties that receive electric and/or gas service from PG&E. This state-administered program can be paired with any rebate or incentive program including PG&E's Energy Efficiency Financing program.

Eligibility Requirements

Applicant's business must meet one of the following requirements:

• Employ 100 or fewer employees.
• Total annual revenue of less than $15,000,000.
• Meet SBA small business size requirement of annual revenue up to $41,500,000, depending on industry.

View program regulations

Project Financing in 3 Simple Steps

1. Get project estimate from a contractor.
2. Select finance company and apply.
3. Sign documents and receive finance company confirmation to start your project. Visit GoGreenFinancing.com to review qualifying measures and get started.

Eligible equipment upgrades include:

Heating and cooling systems and equipment, insulation, LED lighting, water heaters, commercial refrigerators and freezers, smart thermostats, dishwashers, heat pumps and more. See more qualifying measures on GoGreenFinancing.com.

 Note: PG&E is not making any offer to lend under the GoGreen Business program and has no role in reviewing or approving your GoGreen Business application. Any financing arrangement entered is entirely between you and the lender. PG&E is not liable for the lender's acts or omissions or any of the lending terms for financing made available under the GoGreen Business program.