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Financing – Develop Resources

Develop the procurement, outreach, and loan support resources required to perform your financing activities.
Handbook

Financing – Assess & Improve Processes

Focus on the continuous improvement of your financing activities by tracking and evaluating data, responding to feedback, and modifying strategies when needed.
Handbook

Financing – Deliver Program

Launch your financing activities in coordination with other program components.
Handbook

Program Design & Customer Experience – Set Goals & Objectives

Establish program goals and objectives to clarify what you want your program to achieve and to guide program design and implementation over time.
Handbook

Financing – Develop Evaluation Plans

Establish an evaluation plan that will allow you to determine how your financing activities are impacting the market.
Handbook

Financing – Make Design Decisions

Determine if enhancements to existing financing products or the development of new products are necessary to allow you to achieve your goals and objectives.
Handbook

Financing – Develop Implementation Plans

Develop a plan to implement your financing activities, with defined roles for financial institution partners, contractors, customers, and your program.
Handbook

Marketing & Outreach – Make Design Decisions

Decide on priority target audience segments, messages, and incentives that will motivate customers.
Handbook

Financing – Identify Partners

Identify and partner with financial institutions that can provide capital, underwriting, and other functions to enable your customers to access financing.
Handbook

Financing – Assess the Market

Determine how your target audience currently funds energy efficiency services, to what extent upfront cost is a barrier, and whether improvements to their financing options would increase the uptake of energy efficiency measures.
Handbook

Financing – Overview

Ensure that your program’s customers will have access to affordable financing, so they can pay for the services you offer.
Handbook

Program Design & Customer Experience – Assess & Improve Processes

Improve your program’s efficiency and effectiveness through regular information collection, assessment, decision-making, adaptation, and communication.
Handbook

Contractor Engagement & Workforce Development – Set Goals & Objectives

Establish objectives, targets, and timeframes for your program to support local contractors and the type and quality of service they provide to help meet your program’s goals.
Handbook

Program Design & Customer Experience – Assess the Market

Research and analyze the specific barriers, needs, and opportunities for a residential energy efficiency program in your community.
Handbook

Design your financing activities to enable long-term sustainability

In order to overcome lenders’ concerns over the risk associated with energy efficiency loans, many Better Buildings Neighborhood Program partners offered credit enhancements to lenders (e.g., loan loss reserve funds) to attract lender participation and to mitigate lender losses in the event of loan...
Tips for Success

Tap into secondary market investors to provide lending capital

Historically, energy efficiency financing have required two sources of funding: credit enhancement funds to mitigate risk and support attractive financing, and senior capital to fund the majority of the loan principal. Some residential energy efficiency programs have successfully assembled loan...
Tips for Success

Revolving Loan Funds: An Introduction

Author(s)
U.S. Department of Energy
Publication Date
2009
This webcast provides an introduction to revolving loans funds, highlighting basics and best practices.
Resource - Webcast

Managing Financing Programs: Spreadsheet Models

Author(s)
U.S. Department of Energy
Publication Date
2011
Organizations or Programs
Montana Alternative Energy Revolving Loan Program,
Texas LoanSTAR
This webcast provides an overview of spreadsheet models available to help manage financing programs.
Resource - Webcast

Revolving Loan Fund Basics and Best Practices

Author(s)
U.S. Department of Energy
Publication Date
2009
Organizations or Programs
Texas LoanSTAR,
Montana Alternative Energy Revolving Loan Program
This webcast featured four presentations providing examples and best practices for revolving loan funds.
Resource - Webcast

Emerging Trends in Public-Private Financing Programs: Lessons Learned for PACE, On-Bill and Credit Enhancements

Author(s)
Kevin Moyer, Toledo Port Authority,
Ben Taube, Ygrene Energy Fund,
Greg Leventis,,
Lawrence Berkeley National Laboratory
Publication Date
2014
Organizations or Programs
BetterBuildings Northwest Ohio

This presentation covers lesson learned for PACE from the Toledo Port Authority, innovative real estate finance solutions from the Ygrene Energy Fund, and financing energy improvements on utility bills.

Resource - Topical Presentations

Database of Existing Energy Efficiency Loan Programs

Author(s)
University of North Carolina Environmental Finance Center
Publication Date
2013

This database (in development) contains information about existing energy efficiency loan programs in the United States. For each loan program the following data is presented: financing mechanism (e.g., credit enhancement, on-bill financing), market (e.g., city, state), sector (e.g., residential single family, residential multi-family), and program sponsorship (e.g., DOE programs, ARRA, private lenders).

Resource - Tools & Calculators

The Impact of On-Bill Programs on Loan Performance: Evidence from the Green Jobs, Green New York Program

Author(s)
Jeff Deason, Goldman School of Public Policy , UC Berkeley
Publication Date
2015
Organizations or Programs
New York State Energy Research and Development Authority (NYSERDA)
This paper investigates the credit enhancement value of NYSERDA's on-bill energy efficiency financing program relative to its similar conventional unsecured loan program. In the raw data, while both loan pools perform well relative to credit card lending, the on-bill loans default more often than the unsecured loans. This paper shows that this result persists: on-bill loans default more often, and this finding is not sensitive to model specification. This paper also shows that NYSERDA's alternate underwriting mechanism based on mortgage and utility bill repayment history performs well, and that projected dollar savings from the installed projects do not significantly influence loan performance.
Resource - Publications

Credit Enhancement Overview Guide

Author(s)
State and Local Energy Efficiency Action Network
Publication Date
2014
Organizations or Programs
Energize Connecticut,
Michigan Saves,
Warehouse for Energy Efficiency Loans (WHEEL)
This report provides an overview of credit enhancements available, such as loan loss reserves, loan guarantees, debt service reserve funds, and subordinated capital. It also discusses key issues related to credit enhancement, examples of how others have successfully implemented credit enhancements as part of their energy efficiency financing programs, and additional information on existing resources that provide further information on credit enhancement design and implementation.
Resource - Publications

Revolving Loan Funds

Author(s)
National Renewable Energy Laboratory
Publication Date
2009
Organizations or Programs
Texas LoanSTAR,
Utah Revolving Loan Fund for Schools,
Rhode Island Energy Revolving Loan Fund,
Ohio Energy Efficiency Revolving Loan Fund,
Montana Alternative Energy Revolving Loan Program,
Arizona Energy Loan Program,
Florida Conversion Revolving Loan Program,
Efficiency Kansas Revolving Loan Program,
North Carolina Energy Program
This report provides information for states intending to set up a new revolving loan fund for state energy programs.
Resource - Publications

Clean Energy Financing Programs: A Decision Resource for States and Communities

Author(s)
U.S. Environmental Protection Agency
Publication Date
2011
Organizations or Programs
Austin Energy,
Bridgeport Housing Authority Energy Efficiency,
City of Pendleton,
OR,
Enhabit,
ClimateSmart Initiative,
Colorado ENERGY STAR Homes,
Connecticut Solar Lease,
Keystone Home Energy Loan Program (HELP),
Long Island Green Homes,
Montana Alternative Energy Revolving Loan Program,
Palm Desert Energy Independence Program,
Sonoma County Energy Independence Program,
Sustainable Connections: Energy Challenge,
Texas LoanSTAR

This U.S. Environmental Protection Agency resource is intended to help state and local governments design finance programs for their jurisdiction. It describes financing program options, key components of these programs, and factors to consider as they make decisions about getting started or updating their programs.

Resource - Publications

DOE State and Local Solution Center: Financing for Energy Efficiency and Renewable Energy

Author(s)
U.S. Department of Energy
Publication Date
2015

This website provides an overview of financing as it pertains to state, local, and tribal governments who are designing and implementing clean energy financing programs. Residential financing tools include residential PACE (R-PACE), on-bill financing and repayment, loan loss reserves and other credit enhancements, revolving loan funds, and energy efficient mortgages.

Resource - Publications

Alabama Energy Revolving Loan Fund: Market Assessment

Author(s)
Environmental Finance Center at The University of North Carolina at Chapel Hill
Publication Date
2010
Organizations or Programs
Alabama Energy Revolving Loan Fund
This market assessment for the Alabama Energy Revolving Loan Fund identifies the customers and potential demand for an energy efficiency upgrade financing program.
Resource - Program Presentations & Reports

Sample RFP: Energy Efficiency Credit Enhancement Grant

Author(s)
State of Washington Department of Commerce
Publication Date
2009
Organizations or Programs
RePower Kitsap,
RePower Bainbridge,
RePower Bremerton
A sample request for proposals from Washington state to develop an energy efficiency credit enhancement grant program.
Resource - Program Materials

Sample RFP: City of Bainbridge Island Energy Revolving Loan Fund/Loan Loss Reserve Administration

Author(s)
City of Bainbridge Island, Washington
Publication Date
2010
Organizations or Programs
RePower Kitsap,
RePower Bainbridge,
RePower Bremerton
A sample request for proposals from Bainbridge Island, Washington, related to establishing a revolving loan fund and loan loss reserve.
Resource - Program Materials

Using Credit Enhancements to Leverage Existing CDFI Capacity: Indianapolis EcoHouse Project Loan Program

Author(s)
Lawrence Berkeley National Laboratory
Publication Date
2012

Highlights the EcoHouse Project Loan Program, which provides fixed interest rate loans as a tool for enabling energy improvements among households that are otherwise unlikely to be able to access affordable financing at market rates.

Resource - Case Studies

Content Type

  • Handbook (14)
  • Resource (14)
  • Tips for Success (2)

Resource Type

Program Components

  • Program Design & Customer Experience (3)
  • Marketing & Outreach (2)
  • Financing (25)
  • Contractor Engagement & Workforce Development (1)

Program Design Phases

  • Overview (2)
  • Strategy Development (20)
  • Planning (13)
  • Implementation (11)
  • Evaluation (4)

States or Territories

  • Alabama (1)
  • Arkansas (1)
  • California (3)
  • Florida (1)
  • Georgia (1)
  • Indiana (1)
  • Maryland (1)
  • Montana (1)
  • New York (1)
  • Ohio (1)
  • Oregon (2)
  • Pennsylvania (1)
  • Texas (1)
  • Washington (2)

Organizations or Programs

  • Montana Alternative Energy Revolving Loan Program (4)
  • Texas LoanSTAR (4)
  • Enhabit (3)
  • Keystone Home Energy Loan Program (HELP) (2)
  • RePower Bainbridge (2)
  • RePower Bremerton (2)
  • RePower Kitsap (2)
  • Alabama Energy Revolving Loan Fund (1)
  • Arizona Energy Loan Program (1)
  • Austin Energy (1)
  • Be SMART (1)
  • BetterBuildings Northwest Ohio (1)
  • Bridgeport Housing Authority Energy Efficiency (1)
  • City of Pendleton (1)
  • ClimateSmart Initiative (1)
  • Colorado ENERGY STAR Homes (1)
  • Connecticut Solar Lease (1)
  • Efficiency Kansas Revolving Loan Program (1)
  • Energize Connecticut (1)
  • Florida Conversion Revolving Loan Program (1)
  • Long Island Green Homes (1)
  • Michigan Saves (1)
  • New York State Energy Research and Development Authority (NYSERDA) (1)
  • North Carolina Energy Program (1)
  • Ohio Energy Efficiency Revolving Loan Fund (1)
  • OR (1)
  • Palm Desert Energy Independence Program (1)
  • Rhode Island Energy Revolving Loan Fund (1)
  • Sonoma County Energy Independence Program (1)
  • Sustainable Connections: Energy Challenge (1)
  • Utah Revolving Loan Fund for Schools (1)
  • Warehouse for Energy Efficiency Loans (WHEEL) (1)
Residential Program Guide is a resource of the U.S. Department of Energy's Building Technologies Office.
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