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Author: U.S. Department of Energy
Publication Date: 2017

The Better Buildings Financing Navigator is a web-based tool designed to help private and public sector organizations discover financing solutions for energy efficiency projects that meet their unique needs. Through the Financing Navigator, multi-family building owners, facility and energy managers, and other decision-makers can connect with financiers, including banks and financial institutions, to pursue energy-saving measures.

Author: Noah Proser, Pacific Gas and Electric Company
Publication Date: 2017

This presentation describes how PG&E is using advanced metering infrastructure (AMI) to enhance their advanced home upgrade whole-house retrofit program, on-bill financing, and residential pay for performance (P4P) program.

Author: Energize New York
Publication Date: 2017

With project funding from Energize NY PACE and incentives from NYSERDA's Multifamily program, Natlew Corporation was able to make energy efficiency upgrades to their multifamily affordable housing complex in Mount Vernon, NY.

Author: Greg Leventis,; Lawrence Berkeley National Laboratory
Publication Date: 2017

This presentation provides an overview of energy efficiency financing for low- and moderate-income households, including a sector overview, consumer protections, financing products, and lessons learned.

Author: State and Local Energy Efficiency Action Network
Publication Date: 2017

This SEE Action report offers state and local policymakers, state utility regulators, program administrators, financial institutions, consumer advocates and other low- and moderate-income (LMI) household stakeholders an understanding of the relationship between LMI communities and energy efficiency; lessons learned from existing energy efficiency financing programs serving LMI households; and the financing products these programs use and their relative advantages and disadvantages.

Author: Greg Leventis, Lawrence Berkeley National Laboratory; Bruce Schlein, Citi; Curtis Wynn, Roanoke Electric Cooperative; Karyn Sper, Fannie Mae; Philip Henderson, Natural Resources Defense Council
Publication Date: 2017

This presentation provides an overview energy efficiency financing products and opportunities for consumer protections and program expansion for low and moderate income customers in the single- and multifamily residential market sectors.

Author: PACE Equity
Publication Date: 2017

PACE Equity worked closely with CRE Investment Financing to develop and fund a new construction, micro-apartment project in the Sloans Lake area of Denver. This project is the first new construction PACE project in Colorado, as well as the first PACE project completed in Denver.

Author: Becky Schaaf, Stewards of Affordable Housing for the Future; Dick Santangelo, Apollo Engineering Solutions; Stefen Samarripas, American Council for an Energy-Efficient Economy
Publication Date: 2017

This presentation provides an overview of ACEEE's nationwide study of utility provider incentives for the multifamily buildings sector, as well as a broad overview of other sources of funds for energy and water conservation. This session covered the latest news regarding state energy programs, local green banks, weatherization funds, tax credits, and more.

Author: U.S. Department of Energy
Publication Date: 2017

This summary from a Better Buildings Residential Network peer exchange call focused on types of financing used to support home energy upgrades, including Warehouse for Energy Efficiency Loans (WHEEL) and on-bill financing (OBF) through rural electric cooperatives. It featured speakers from the Energy Programs Consortium and The Electric Cooperatives of South Carolina, Inc.

Author: Ouachita Electric Cooperative; Eetility
Publication Date: 2017

This report reviews Ouachita Electric Cooperative's transition to its HELP PAYS® tariffed on-bill investment program. This analysis uses data for the first nine months of the program launched in 2016. Some of those benefits are being validated immediately by the market response in the service area compared to the same period of the prior year with HELP, the on-bill financing program that HELP PAYS replaced.

Author: U.S. Department of Energy
Publication Date: 2016

This document provides updated best practice guidelines to help implement the Policy Framework for PACE Financing Programs, initially announced on October 18, 2009. DOE has developed these revisions to the original “Guidelines for Pilot PACE Financing Programs,” initially issued on May 7, 2010, to reflect the evolving structure of the PACE market and incorporate lessons learned from various PACE programs that have been successfully implemented. The revised and updated guidelines focus specifically on best practices and guidelines for residential PACE financing programs.

Author: Lawrence Berkeley National Laboratory
Publication Date: 2016

This report is a guide to all customer-facing financing products—products offered by a lender directly to a borrower—used to pay for energy efficiency. Intended for state and local governments that are deciding whether to start a new program, tune up and existing program, or create a Green Bank, it provides information on the full range of financing product options for target participants, the tradeoffs of various products, and potential advantages and disadvantages for different types of customers.

Author: U.S. Department of Energy
Publication Date: 2016

This summary from a Better Buildings Residential Network peer exchange call focused on how organizations can diversify and grow new revenue streams and types of financing approaches used to make resources stretch further and help homeowners finance upgrades. Speakers include Connecticut Green Bank, Sealed, and Craft3.

Author: American Council for an Energy-Efficient Economy
Publication Date: 2016

This paper examines the current state of energy efficiency financing, highlighting segments of strength such as cars, green buildings, and energy service companies, and offering areas that are underserved, including residential low-income and moderate-income households and multifamily housing.

Author: American Council for an Energy-Efficient Economy
Publication Date: 2016

This paper examines the current state of energy efficiency financing, highlighting segments of strength such as cars, green buildings, and energy service companies, and offering areas that are underserved, including residential low-income and moderate-income households and multifamily housing

Author: Joel Freehling and Brian Stickles, American Council for an Energy-Efficient Economy
Publication Date: 2016

This paper describes the current state of energy efficiency financing, highlighting what is and isn’t working, while offering a look at the future of the industry.

Author: Joel Freehling and Brian Stickles, American Council for an Energy-Efficient Economy
Publication Date: 2016

This paper describes the current state of energy efficiency financing, highlighting what is and isnÕt working, while offering a look at the future of the industry.

Author: Energy Programs Consortium
Publication Date: 2016

This report examines participation of low and moderate income borrowers (LMI) in the first WHEEL portfolio. This is the first report in a multiyear project by EPC on Residential Energy Finance and the LMI Market that will take a close look at the market for residential energy efficiency and renewable energy loans to in order to increase the number and rate of the retrofits they facilitate.

Author: U.S. Department of Energy
Publication Date: 2016

This case study features New York City Energy Efficiency Corporation (NYCEEC), a member that focuses on financing energy efficiency and clean energy upgrades for multifamily buildings in the city and surrounding communities.

Author: Greater Cincinnati Energy Alliance
Publication Date: 2016

Ivy Knoll Senior Retirement Community used PACE financing to make significant building improvements of systems that were outdated or energy inefficient. Through PACE financing, Ivy Knoll management was able to select improvements that had the highest energy savings but also came with higher upfront costs for the 7-story, all-electric building.

Author: American Council for an Energy-Efficient Economy
Publication Date: 2016

This paper analyzes Bank of America's $55 million initiative to provide low-cost funding and grant support to advance energy efficiency investment in low- to moderate-income communities. The funding supported community development financial institutions (CDFIs) in developing and enhancing efficiency programs for residential, commercial, and multifamily buildings. We report on loan performance, energy savings, and the degree to which the savings offset the cost of the energy efficiency investment.

Author: American Council for an Energy-Efficient Economy
Publication Date: 2016

This paper analyzes Bank of America's $55 million initiative to provide low-cost funding and grant support to advance energy efficiency investment in low- to moderate-income communities. The funding supported community development financial institutions (CDFIs) in developing and enhancing efficiency programs for residential, commercial, and multifamily buildings. We report on loan performance, energy savings, and the degree to which the savings offset the cost of the energy efficiency investment.

Lessons Learned and the Better Buildings Residential Program Solution Center
Author: U.S. Department of Energy
Publication Date: 2016
Presentation, Media, Transcript

Take you on a tour of the U.S. Department of Energy’s Better Buildings Residential Program Solution Center content and functionality and explore how you can use the Solution Center to help design, implement, and evaluate residential energy efficiency programs. Program examples focus on contractor engagement and workforce development. Learn how to support and partner with the workforce who will deliver your program’s energy efficiency services by understanding their capacity, recruiting contractor partners, enabling technical training and business development support, and refining program processes over time.

Author: Maryland Department of Housing and Community Development
Publication Date: 2016

This presentation covers the Maryland Department of Housing and Community Development's Multi-family Energy Efficiency and Housing Affordability (MEEHA) programs.

Author: National Housing & Rehabilitation Association
Publication Date: 2016

National Housing & Rehabilitation Association has collected a number of energy efficiency factsheets and resources on their Preservation Through Energy Efficiency Initiative Library.

Author: Todd Nedwick, National Housing Trust
Publication Date: 2016

This presentation covers the features of well-designed energy efficiency programs for multifamily affordable housing.

Author: Peter Ludwig, Elevate Energy
Publication Date: 2016

This presentation covers Elevate Energy's full service comprehensive approach for improving low income multifamily housing.

Author: State and Local Energy Efficiency Action Network
Publication Date: 2015

This report is targeted at both policymakers and program administrators who are less familiar with secondary markets and their significance in the energy efficiency context, as well as those that are more familiar with these concepts and may be actively considering secondary market strategies. It covers how efficient access to capital from secondary markets -- reselling energy loans to investors to replenish program funds -- is being advanced as an important enabler of the energy efficiency industry “at scale.”

Author: U.S. Department of Energy
Publication Date: 2015

The Better Building Residential Program Implementation Plan Template will help you develop a strategy for planning, operating, and evaluating a successful residential energy efficiency program. The template includes sections for all six program components (i.e., Market Position & Business Model, Program Design & Customer Experience, Evaluation & Data Collection, Marketing & Outreach, Financing, and Contractor Engagement & Workforce Development).

Author: U.S. Department of Energy
Publication Date: 2015

The Better Building Residential Program Implementation Plan Template will help you develop a strategy for planning, operating, and evaluating a successful residential energy efficiency program. The template includes sections for all six program components (i.e., Market Position & Business Model, Program Design & Customer Experience, Evaluation & Data Collection, Marketing & Outreach, Financing, and Contractor Engagement & Workforce Development).

Better Together: Linking and Leveraging Energy Programs for Low-Income Households
Author: U.S. Environmental Protection Agency
Publication Date: 2015
Presentation 1, Presentation 2, Presentation 3, Presentation 4, Presentation 5, Media 1, Media 2, Media 3, Media 4, Media 5, Transcript

This presentation includes a series of case studies to highlight effective efforts by state and local agencies, non-profits, and utilities to bring energy efficiency and renewable energy (EE/RE) to low-income households. It explores the topic of linking and leveraging EE/RE programs for limited-income households, including the need to coordinate with other energy assistance programs.

Author: 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.

Energy Efficiency and Conservation Loan Program Webinar Series: #6 Solar
Author: U.S. Department of Agriculture; U.S. Department of Energy
Publication Date: 2015
Presentation, Media, Transcript

This webinar is the sixth (in a series of six) hosted by USDA Rural Utility Service (RUS) and focusing on the Energy Efficiency and Conservation Loan Program (EECLP). This webinar provides an overview of Solar Photovoltaic (PV) Opportunities and the Energy Efficiency and Conservation Loan Program. It features the New Hampshire Electric Co-op's Solar PV Program and SunShot Solar Outreach Partnership (SolarOPs). SolarOPs is a U.S. Department of Energy program designed to increase the use and integration of solar energy in communities across the US.

Author: Jeffrey Pitkin, NYSERDA; Tammy Agard, EEtility; Frank Spasaro, Southern California Gas Company
Publication Date: 2015

This presentation covers the New York On-Bill recovery financing, Home Energy Lending Program's (H.E.L.P.) loan program, and California energy efficiency financing products.

Author: U.S. Department of Energy
Publication Date: 2015

This summary from a Better Buildings Residential Network peer exchange call focused on how to market energy efficiency upgrades in the multifamily housing sector.

Author: Jeff Deason, Goldman School of Public Policy , UC Berkeley
Publication Date: 2015

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.

Author: State and Local Energy Efficiency Action Network
Publication Date: 2015

This report lays the groundwork for a dialogue to explore regulatory and policy mechanisms for ensuring that efficiency financing initiatives provide value for society and protection for consumers. Through case studies of Connecticut, New York, Massachusetts, California, and Maryland, it explores emerging issues that jurisdictions will need to tackle when considering an increased reliance on financing.

Author: U.S. Department of Energy
Publication Date: 2015

This summary from a Better Buildings Residential Network peer exchange call focused on strategies and challenges of on-bill financing programs.

Author: Arkansas Economic Development Commission
Publication Date: 2014

Presents the loan loss reserve guidelines for the Arkansas Residential Energy Efficiency Loan Loss Reserve Program.

Author: U.S. Department of Energy
Publication Date: 2014

This document summarizes top takeaways shared by Better Buildings Residential Network members on Peer Exchange Calls, from tips to collaborating with utilities to cost-effective rebate models.

Author: U.S. Department of Energy
Publication Date: 2014

This Better Buildings Residential Network Partnerships Toolkit includes templates, tools, guides, and examples to help energy efficiency organizations engage in partnerships that leverage resources and strengthen their programs.

Author: The Cadmus Group, Inc.
Publication Date: 2014

The California investor-owned utilities -- Pacific Gas and Electric (PG&E), Southern California Edison (SCE), Southern California Gas (SoCalGas), and San Diego Gas & Electric (SDG&E), referred to collectively as the IOUs or Joint Utilities -- are designing seven energy efficiency financing pilot programs at the California Public Utilities Commission’s (CPUC's) direction. To help inform the pilot design process and subsequent evaluation efforts, this report summarizes a comprehensive review of 15 existing financing programs representing noteworthy program models across the United States and around the globe.

Author: Yale Center for Business and the Environment
Publication Date: 2014

This publication advances the growth of energy efficiency finance and renewable energy finance markets in the United States by providing industry news, building professional dialogue, and fostering innovation. The forum includes: original feature articles covering cutting-edge topics and conferences; a biweekly newsletter of curated and original content; online conversations among experts in the field; and opportunities to register for webinars and other events

Author: State and Local Energy Efficiency Action Network
Publication Date: 2014

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.

Author: U.S. Department of Energy; North Carolina Solar Center
Publication Date: 2014

This database provides comprehensive information on state, federal, local, and utility incentives and policies that are in place to support renewable energy and energy efficiency.

Author: Kevin Moyer, Toledo Port Authority; Ben Taube, Ygrene Energy Fund; Greg Leventis,; Lawrence Berkeley National Laboratory
Publication Date: 2014

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.

Energy Efficiency and Conservation Loan Program Webinar Series: #1 Overview and Cost Effectiveness
Author: U.S. Department of Agriculture; U.S. Department of Energy
Publication Date: 2014
Presentation, Media, Transcript

This webinar is the first (in a series of six) hosted by USDA Rural Utility Service (RUS) and focusing on the Energy Efficiency and Conservation Loan Program (EECLP). This webinar provides an overview of the Energy Efficiency and Conservation Loan Program. It covers the requirements and benefits of the program and also discusses steps you can take to evaluate the cost effectiveness of energy program options.

Energy Efficiency and Conservation Loan Program Webinar Series: #3 Residential Energy Efficiency Deep Dive, Part One
Author: U.S. Department of Agriculture; U.S. Department of Energy
Publication Date: 2014
Presentation, Media, Transcript

This webinar is the third (in a series of six) hosted by USDA Rural Utility Service (RUS) and focusing on the Energy Efficiency and Conservation Loan Program (EECLP). The first in a two-part series, this webinar shares best practices from the more than 40 competitively selected state and local governments who participated in the U.S. Department of Energy’s Better Buildings Neighborhood Program, including market position and business model, program design and customer experience, evaluation and data collection, marketing and outreach, financing, and contractor engagement and workforce development.

Energy Efficiency and Conservation Loan Program Webinar Series: #4 Residential Energy Efficiency Deep Dive, Part Two
Author: U.S. Department of Agriculture; U.S. Department of Energy
Publication Date: 2014
Presentation, Media, Transcript

This webinar is the fourth (in a series of six) hosted by USDA Rural Utility Service (RUS) and focusing on the Energy Efficiency and Conservation Loan Program (EECLP). The second in a two-part series, this webinar shares best practices from the more than 40 competitively selected state and local governments who participated in the U.S. Department of Energy’s Better Buildings Neighborhood Program. This webinar focuses on data collection and continuous improvement, partnering with financial institutions, community-based outreach, and quality assurance of contractor work. It also features a case study from Jackson Electric Member Corporation about their audit tools, rebates and loans, tracking and reporting, and marketing and advertising strategies.

Energy Efficiency and Conservation Loan Program Webinar Series: #5 On-Bill Financing
Author: U.S. Department of Agriculture; U.S. Department of Energy
Publication Date: 2014
Presentation, Media, Transcript

This webinar is the fifth (in a series of six) hosted by USDA Rural Utility Service (RUS) and focusing on the Energy Efficiency and Conservation Loan Program (EECLP). This webinar focuses on financing energy improvements on utility bills and features case studies about Roanoke Electric Cooperative's Upgrade to Save program and North Arkansas Electric Cooperative. It also provides information for programs seeking on-bill financing project assistance.

Energy Efficiency Financing Programs: Financing Energy Improvements on Utility Bills
Author: State and Local Energy Efficiency Action Network
Publication Date: 2014
Presentation, Media

This webcast provides a market update and key program design considerations for on-bill financing programs.

Author: Southeast Energy Efficiency Alliance
Publication Date: 2014

SEEA created this document to inform the planning, design and delivery of early-stage energy efficiency programs in the Southeast. This document captures general concepts essential to the successful development and implementation of robust program portfolios, as well as lessons learned from prior experience on the regional and national levels.

Author: Energy Impact Illinois
Publication Date: 2014

This packet contains all the contractor reporting and verification forms required by Energy Impact Illinois.

Author: RePower Bainbridge; Conservation Services Group; U.S. Department of Energy
Publication Date: 2014

This guide is designed to serve as a "how-to" reference for island communities (or small, similarly sized, more isolated communities) that want to develop and implement a residential energy-efficiency and conservation program. The purpose of this guide is to help communities chart a course for successful program development based on the lessons learned during implementation and operation of RePower Bainbridge, an energy-efficiency program on Bainbridge Island, Washington.

Author: Energy Upgrade California
Publication Date: 2014

This plan presents the marketing education and outreach plan for Energy Upgrade California's financing pilots.

Author: American Council for an Energy-Efficient Economy
Publication Date: 2014

This paper presents obstacles to increasing lender and consumer participation in energy efficiency financing identified by a group of small to mid-size lenders, and offers recommendations to the energy efficiency community to foster growth in the market for energy efficiency financing.

Author: Community Development Department of the Federal Reserve Bank of San Francisco
Publication Date: 2014

There are more than 17 million multifamily households nationwide, yet they remain a significant and mostly untapped opportunity for energy efficiency gains. Many cities and states that have embraced energy retrofitting as a job creator and boon to both the environment and economy have yet to address potential savings in multifamily properties, primarily because of obstacles not faced by single family and commercial properties. This paper discusses two barriers -- a lack of information and financing -- that stand in the way of multifamily energy retrofits.

Financing Energy Improvements on Utility Bills: Case Studies from the Field
Author: Eleni Pelican, U.S. Department of Energy; Mark Zimring, Lawrence Berkeley National Laboratory; Greg Leventis, Lawrence Berkeley National Laboratory; Merrian Borgeson, Lawrence Berkeley National Laboratory; Charles Goldman, Lawrence Berkeley National Laboratory; Peter Thompson, Lawrence Berkeley National Laboratory; Ian Hoffman, Lawrence Berkeley National Laboratory
Publication Date: 2014
Presentation

This webcast provided an overview of on-bill financing programs, and presented three case studies: Manitoba Hydro, New York State Energy Research and Development Authority, and Pacific Gas & Electric (California).

Author: State and Local Energy Efficiency Action Network
Publication Date: 2014

This report provides an overview of the current state of on-bill programs and provides actionable insights on key program design considerations for on-bill lending programs.

Author: State and Local Energy Efficiency Action Network
Publication Date: 2014

This report provides an overview of the current state of on-bill programs and provides actionable insights on key program design considerations for on-bill lending programs.

Communicate the results of your financing activities to internal and external partners.

Launch your financing activities in coordination with other program components.

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

Author: U.S. Department of Energy
Publication Date: 2014

This summary from a Better Buildings Residential Network peer exchange call focused on strategies in building interest in and introducing energy efficiency to affordable housing.

Author: Mary Templeton, Michigan Saves
Publication Date: 2014

This presentation describes the financial data Michigan Saves tracks and how the program uses the data to inform program implementation.

PowerSaver Loan
Author: U.S. Department of Energy
Publication Date: 2014
Presentation

This webcast provided an overview to the PowerSaver Loan; described the role of financing in home energy efficiency projects and examples of program's experience; introduced how DOE program sponsors and partners can utilize PowerSaver to offer affordable energy efficiency loans to homeowners; and discussed options, strategies and next steps for interested programs to partner with participating PowerSaver lender(s).

Author: U.S. Department of Energy
Publication Date: 2014

This fact sheet describes the PowerSaver loan program, including benefits, eligible improvements, and requirements.

Author: Energy Efficiency Finance Corporation
Publication Date: 2014

Provides a sample or preliminary term sheet for single family residential energy efficiency loans that can provide a basis for discussions and negotiations with prospective lending partners.

Author: BetterBuildings for Greensboro
Publication Date: 2014

Example of a program design flowchart showing key steps and relationships for the energy efficiency program in Greensboro, North Carolina.

Author: Danielle Sass Byrnett, U.S. Department of Energy
Publication Date: 2014

This presentation provides an overview of the results and lessons learned from 41 community partners that participated in the Better Buildings Neighborhood Program. It also provides an overview of the Better Buildings Residential Program Solution Center.

Author: U.S. Department of Energy
Publication Date: 2014

Example proposal evaluation scoring sheet to rank qualifications of financial institution bidders for energy efficiency upgrade loan programs.

Author: Energy Impact Illinois
Publication Date: 2014

This packet contains all the contractor reporting and verification forms required by Energy Impact Illinois.

Author: BetterBuildings for Greensboro
Publication Date: 2014

A sample RFP from Greensboro, North Carolina, for energy efficiency loan products.

Author: Lawrence Berkeley National Laboratory
Publication Date: 2014

This policy brief provides insight into the transaction of an on-bill energy efficiency loan portfolio between two mission-oriented lenders, Craft3 in Oregon and Self Help in North Carolina.

Author: Cynthia Adams, Local Energy Alliance Program; Larry Earegood, Consumers Energy (MI); John Schott, NYSERDA; Gavin Hastings, Arizona Public Service; Emily Salzberg, Washington State University Energy; Adam Buick, Community Power Works (WA); Bob Knight, BKi
Publication Date: 2014

Quick summaries of strategies various programs have used to improve the efficiency of delivering efficiency.

Author: U.S. Department of Energy
Publication Date: 2014

This summary from a Better Buildings Residential Network peer exchange call focused on new and updated revenue strategies.

Author: U.S. Department of Energy
Publication Date: 2013

This peer exchange call summary focused on bond funding.

Author: U.S. Department of Energy
Publication Date: 2013

This summary from a Better Buildings Residential Network peer exchange call focused on shared funding arrangements with contractors.

Author: 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).

Author: Efficiency Maine
Publication Date: 2013

Efficiency Maine developed this online portal, where many of its program forms are available for download (e.g., program overviews and manuals, participation agreements, and related application materials).

Author: Energy Impact Illinois
Publication Date: 2013

Matrix of participating lenders and associated loan information.

Author: Southeast Energy Efficiency Alliance
Publication Date: 2013

This report demonstrates the results achieved to date by the Southeast Energy Efficiency Alliance. It highlights the experiences of Consortium programs, their successes driving further investments in energy efficiency improvements, and the challenges that hindered their progress. It also details the infrastructure, resources, and opportunities that support the deployment of energy efficiency programming, and the approaches that the Consortium has found best suited to the region.

Author: U.S. Department of Energy
Publication Date: 2013

This guide provides a snapshot of the federal finance facilities available for energy efficiency upgrades and clean energy deployment. The guide is organized by market segment, and also includes a table that presents each finance facility by type of instrument along with the federal agency that administers the program.

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.

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

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

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

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

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

Establish goals, objectives, and timeframes for your financing activities.

Author: Central Electric Power Cooperative
Publication Date: 2013

This case study highlights the Help My House Pilot Program conducted in South Carolina by Central Electric Power Cooperative that included on-bill financing.

Author: University of North Carolina Center for Community Capital - Institute for Market Transformation
Publication Date: 2013

Study examining actual loan performance data to assess whether residential energy efficiency is associated with lower default and prepayment risks. Results show that default risks are on average 32 percent lower in energy-efficient homes, controlling for other loan determinants.

Author: Michigan Saves
Publication Date: 2013

This loan loss reserve fund agreement sets the terms and conditions of the loan loss reserve fund between Michigan Saves and partnering lenders.

Author: U.S. Department of Energy
Publication Date: 2013

This peer exchange call summary focused on lender-based fees and sharing costs with lending partners.

Author: U.S. Department of Energy
Publication Date: 2013

This summary from a Better Buildings Residential Network peer exchange call focused on the performance of on-bill financing compared to other financing programs.

Author: Green For All
Publication Date: 2013

This report highlights program and policy attributes that enable successful on-bill programs based on analysis of four program case studies.

Author: U.S. Department of Energy
Publication Date: 2013

This summary from a Better Buildings Residential Network peer exchange call focused on the features and eligibility of the PowerSaver Loan Program. 

Author: Rachael P Fredericks, PSE&G
Publication Date: 2013

This presentation provides an overview of PSE&G's Multifamily Housing Program, highlighting drivers, incentive structure, results, and lessons learned.

Author: U.S. Department of Energy
Publication Date: 2013

This summary from a Better Buildings Residential Network peer exchange call focused on implementing and generating revenue from employer-based programs.

Author: Small Town Energy Program
Publication Date: 2013

The Small Town Energy Program (STEP) toolkit gives a complete overview of STEP from planning to implementation. It also includes access to a wide variety of materials developed by the program, including: local asset materials, partner materials, personnel materials, program administrative materials, outreach materials, and surveys. STEP has posted these toolkit documents with the hope that it will assist other small towns and communities in building and running more energy efficiency programs.

Tools for Designing & Implementing Better Finance Programs
Author: U.S. Department of Energy
Publication Date: 2013
Presentation, Media, Transcript

Rather than selecting from two or three fixed models, a successful clean energy finance program will require a sponsor to make a number of design decisions, based on resources available and the needs of the community served. This webinar outlines these key areas for consideration (including potential program sponsors, institutional structure, and potential sources of program revenue) and examples of how organizations across the country have blended design decisions into successful programs.

Author: U.S. Department of Energy
Publication Date: 2013

This peer exchange call summary focused on tracking and using data to support revenue streams.

Author: U.S. Department of Energy
Publication Date: 2013

This peer exchange call summary focused on unique fee-for-service revenues as related to program sustainability.

Author: Mark Zimring, Lawrence Berkeley National Laboratory; Matthew Brown and Dave Carey, Harcourt Brown & Carey
Publication Date: 2013

This presentation provides background information on energy efficiency financing barriers and opportunities. These barriers may include lack of confidence in energy savings, renter/owner split incentives, long paybacks, and high up-front costs. The presentation also includes five areas of opportunity for SEE Action Financing Solutions Working Group activities.

Author: Tessa Shin, AFC First Financial Corporation
Publication Date: 2012

Presentation describing AFC First's (a lender's) aggressive underwriting and smart product delivery as part of the Keystone HELP program.

Author: Jeff Pitkin, New York State Energy Research and Development Authority
Publication Date: 2012

Presentation describing NYSERDA's alternative underwriting approach for its target market.

Author: Lawrence Berkeley National Laboratory
Publication Date: 2012

This case study highlights Clean Energy Works Oregon's (now Enhabit) low interest, on-bill financing and alternative underwriting practices which have achieved a low rejection rate while also maintaining a low loan default rate.

Author: U.S. Department of Energy
Publication Date: 2012

This peer exchange call summary focused on assessing potential revenue streams.

Author: California Public Utilities Commission
Publication Date: 2012

This report focuses on four utilities in California. The research for this report included reviewing program documents and tracking databases, conducting two rounds of interviews with four investor owned utility program managers, interviewing California Public Utility Commission staff members and an intervener, surveying 76 on-bill financing program participants and 29 vendors who helped deliver the program, interviewing 12 account executives, and conducting six focus groups across California with 46 energy audit participants who had not participated in on-bill financing.

Author: U.S. Department of Energy
Publication Date: 2012

A template agreement that addresses the full energy efficiency or renewable energy loan origination cycle.

Author: Megan Billingsley, Lawrence Berkeley National Laboratory
Publication Date: 2012

This presentation provides lessons to ensure effective incentive structures.

Author: Mary Templeton, BetterBuildings for Michigan
Publication Date: 2012

Presentation on how Michigan Saves realigned its incentives to encourage more projects with significant energy savings potential.

Author: U.S. Department of Energy
Publication Date: 2012

Case study highlighting the home performance lending program spearheaded by local utility JEA and JaxMetro Credit Union in Jacksonville, Florida. This program is one of the most successful in the Southeast Energy Efficiency Alliance's Community Consortium.

Author: The Energy Foundation
Publication Date: 2012

Reviews and summarize energy efficiency financing models and strategies. Models are analyzed according to funding sources, program structures, limits to scale, repayment vehicles, and project risks. Strategies consider applicable building sectors, models, levels of establishment, growth potential, advantages, and disadvantages.

Author: Peter Ludwig, CNT Energy
Publication Date: 2012

Presentation that provides an overview of the Energy Savers Program (Illinois), including services, benefits, and success stories.

Exploring Opportunities for Energy Efficiency as a Revenue Stream in the Forward Capacity Markets
Author: U.S. Department of Energy
Publication Date: 2012
Presentation, Media, Transcript

This webcast provides information for energy efficiency programs on the opportunities and challenges associated with participating in forward capacity markets and reliability pricing models as potential revenue streams.

Author: Lawrence Berkeley National Laboratory
Publication Date: 2012

This policy brief describes how NYSERDA's Assisted Home Performance with ENERGY STAR Program increases access to financing through tiered underwriting criteria.

Author: State and Local Energy Efficiency Action Network
Publication Date: 2012

This document summarizes discussions and recommendations from a forum for practitioners and policymakers aiming to strengthen residential energy efficiency program design and delivery for middle income households.

Author: Kellie Stickney, SustainableWorks
Publication Date: 2012

Presentation on the SustainableWorks non-profit general contractor model for supporting energy upgrades in Washington state and lessons learned for implementing a whole house approach.

Author: Efficiency Maine
Publication Date: 2012

This presentation from Efficiency Maine shows early adopters and higher income residents tend to take advantage of large incentives, but smaller incentives may be a way to engage a broader range of income levels.

Author: Energy Trust Oregon (Prepared by Johnson Consulting Group)
Publication Date: 2012

This report presents key findings and recommendations from the process evaluation of Clean Energy Works Oregon's (now Enhabit's) energy efficiency financing program. Table 1 provides a good list of key process evaluation research questions which may help others scope comprehensive process evaluations.

Author: U.S. Department of Energy
Publication Date: 2012

In this video interview segment, Tessa Shin of AFC First discusses the importance of making the loan application process simple for both homeowners and contractors.

Author: Mass Save
Publication Date: 2012

A comparative list of lenders participating in the Mass Save HEAT Loan Program and the terms and conditions of the loans that they offer.

Author: Mass Save
Publication Date: 2012

This plan was jointly developed by gas and electric companies in the state of Massachusetts to set aggressive goals for 2013-2015 through a sustained and integrated statewide energy efficiency effort in accordance with Green Communities Act.

Author: Climate Solutions
Publication Date: 2012

This report profiles the early results of a diverse range of small- to medium-sized American cities with different economic and energy profiles that are pioneering the clean energy economy. Many communities used federal grants to jumpstart long-term strategies to test and refine various clean energy and energy efficiency solutions. Others developed innovative financing strategies in the absence of grant money. These city-led efforts to catalyze local clean energy economic development are important to watch as federal grants sunset, especially in the absence of a comprehensive national energy or climate policy.

Author: Lawrence Berkeley National Laboratory
Publication Date: 2012

Policy brief explaining what constitutes a qualified project under the QECB program.

Author: Deutsche Bank Americas Foundation
Publication Date: 2012

This report addresses a key bottleneck for private capital: lenders declining to underwrite energy efficiency loans for multifamily housing because they lack confidence in energy savings. It presents findings from an analysis of 230+ buildings, assesses total savings achieved and savings as a percentage of projections, and provides a starting point for an underwriting methodology.

Author: U.S. Department of Energy
Publication Date: 2012

This peer exchange call summary focused on how programs are devising plans for creating a contractor revenue stream and potential fee structures.

Author: Environmental Finance Center at The University of North Carolina at Chapel Hill
Publication Date: 2012

This market assessment for the Sarasota County (Florida) Energy Efficiency Upgrade Financing Program identifies the customers and potential demand for an energy efficiency upgrade financing program.

Author: Lawrence Berkeley National Laboratory
Publication Date: 2012

This policy brief describes the energy efficiency financing options programs can use to help financial institutions make energy upgrades affordable and accessible to homeowners.

Author: Washington State University Energy Program
Publication Date: 2012

This mid-program evaluation includes extensive analysis of program sectors, including results of surveys of participants, and summarizes lessons learned to date.

Author: Washington State University Energy Program
Publication Date: 2012

This mid-program evaluation includes extensive analysis of program sectors, including results of surveys of participants, and summarizes lessons learned to date.

Author: Washington State University Energy Program
Publication Date: 2012

This mid-program evaluation includes extensive analysis of program sectors, including results of surveys of participants, and summarizes lessons learned to date.

Author: U.S. Department of Energy
Publication Date: 2012

This case study discusses how Clean Energy Works Oregon (now Enhabit) used performance-based incentives, limited-time bonus rebates, early financing approvals, and seasonal advantages to broaden its program reach and increase home upgrade completions.

Author: U.S. Department of Energy
Publication Date: 2012

Find out how JEA successfully increased interest in its low-interest loan program beyond a short-term incentive.

Author: Jonathan Doochin, U.S. Green Data Inc.
Publication Date: 2012

This presentation highlights research from U.S. Green Data showing that it is important to pique consumers' interest with incentives, but that their effectiveness can be maximized by making them simple, focusing on people "ready to purchase," and educating consumers about the value of energy efficiency.

Author: The Rockefeller Foundation
Publication Date: 2012

This paper establishes the size of the potential retrofit market in the United States, and examines the emergence of new financing models that offer the promise of overcoming historical barriers to energy efficiency.

Author: 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.

Author: State and Local Energy Efficiency Action Network
Publication Date: 2011

This report provides policymakers with principles and recommendations to understand and manage concerns about bill and rate impacts resulting from requiring utilities to provide efficiency programs.

Author: World Resources Institute
Publication Date: 2011

Outlines five public-private financing mechanism options for energy efficiency upgrades programs, including on-bill financing, PACE financing, and loan loss reserve funds.

Author: Environmental Finance Center at The University of North Carolina at Chapel Hill
Publication Date: 2011

This market assessment for the City of Greensboro, North Carolina identifies the customers and potential demand for an energy efficiency upgrade financing program.

Author: U.S. Environmental Protection Agency
Publication Date: 2011

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.

Author: Lawrence Berkeley National Laboratory
Publication Date: 2011

This report provides state and local policymakers with information on successful approaches to the design and implementation of residential efficiency programs for households ineligible for low-income programs.

Author: Southwest Energy Efficiency Project
Publication Date: 2011

This report describes different approaches to energy efficiency finance taken by utilities.

Author: U.S. Department of Energy
Publication Date: 2011

This sample phone survey template for program drop-outs, created by the Better Buildings Neighborhood Program, was designed for programs to find out why applicants that applied to participate in a program ultimately dropped out.

Author: U.S. Department of Energy
Publication Date: 2011

This sample phone survey template, created by the Better Buildings Neighborhood Program, was designed for programs to use with applicants who have been screened out from participating in a program.

Author: U.S. Department of Energy
Publication Date: 2011

This sample email survey template, created by the Better Buildings Neighborhood Program, was designed for programs to develop their own survey of successful program participants in order to assess customer experience.

Financial Program Management for Continuous Improvement
Author: U.S. Department of Energy
Publication Date: 2011
Media, Transcript

This webcast discussed financial program management.

Financing Programs: RFP & Contract Terms and Conditions
Author: U.S. Department of Energy
Publication Date: 2011
Presentation, Media, Transcript

This webcast discusses financing program RFPs and contract terms and conditions.

Author: U.S. Department of Energy
Publication Date: 2011

Clean Energy Works Oregon's (now Enhabit's) experience implementing an on-bill financing program.

Author: Energy Upgrade California
Publication Date: 2011

Example loan loss reserve fund agreement.

Author: Energy Upgrade California
Publication Date: 2011

Example loan loss reserve fund agreement.

Author: U.S. Department of Energy
Publication Date: 2011

Outlines Philadelphia's EnergyWorks program's use of low-interest loans to incentivize homeowners by tying the interest rate to the number of energy efficiency measures incorporated into the home.

Managing Financing Programs: Spreadsheet Models
Author: U.S. Department of Energy
Publication Date: 2011
Media, Transcript

This webcast provides an overview of spreadsheet models available to help manage financing programs.

Author: American Council for an Energy-Efficient Economy
Publication Date: 2011

Provides review of on-bill financing programs implemented across the country, challenges to widespread adoption, and program and policy recommendations.

Author: Paul Cillo, Energy Efficiency Institute, Inc.
Publication Date: 2011

Presentation providing an overview of the PAYS financial model, including information on risks and how to manage them, and successful program examples using the PAYS model.

Author: U.S. Department of Energy
Publication Date: 2011

This peer exchange call summary focused on the background and features of the PowerSaver loan program.

Author: EnergySmart Colorado
Publication Date: 2011

Example of a program design flowchart showing key steps and relationships for the energy efficiency program in Eagle County, Colorado.

Author: U.S. Department of Energy
Publication Date: 2011

This document provides a menu of initial questions for a program administrator or implementer to build on and use in developing a real-time evaluation survey to collect qualitative data from program participants.

Author: Chris Lohmann, U.S. Department of Energy
Publication Date: 2011

Presentation providing an overview of financing programs, a strategy for continuous improvement, tools for program management, a risk management strategy, and common risks associated with financing programs.

Author: EnergySmart
Publication Date: 2011

Example of an implementation plan developed by EnergySmart Colorado at the beginning of the implementation of its Better Buildings Neighborhood Program.

Author: EnergySmart Colorado
Publication Date: 2011

Boulder, Colorado's EnergySmart program produced a detailed implementation plan with activities, deliverables, and timelines by phase and task.

Author: Dan Curry, BetterBuildings for Greensboro
Publication Date: 2011

This presentation provides an overview of the lending RFP issued by the city of Greensboro's Better Buildings Program, including a description of the roles and responsibilities for the city and its financial partners.

Author: Oak Ridge National Laboratory
Publication Date: 2011

The Residential Retrofit Program Design Guide focuses on the key elements and design characteristics of building and maintaining a successful residential energy upgrade program. The material is presented as a guide for program design and planning from start to finish, laid out in chronological order of program development.

Author: State and Local Energy Efficiency Action Network
Publication Date: 2011

This report lays out a national vision for overcoming many of the barriers to comprehensive home energy improvements. The authors review a range of energy efficiency policies and programs, then analyze three funding and policy scenarios to gauge their long-term impacts on the market for home energy upgrades.

Author: Environmental Finance Center at The University of North Carolina at Chapel Hill
Publication Date: 2011

This market assessment for the St. Louis Residential Energy Efficiency Loan Program identifies the customers and potential demand for an energy efficiency upgrade financing program.

Author: U.S. Department of Energy
Publication Date: 2011

This peer exchange call summary focused on developing rebate/incentive programs to generate a demand for sustainable programs and products.

Author: American Council for an Energy-Efficient Economy
Publication Date: 2011

This report presents results, recommendations, and case studies of energy efficiency financing programs.

Author: Environmental Finance Center at The University of North Carolina at Chapel Hill
Publication Date: 2010

This market assessment for the Alabama Energy Revolving Loan Fund identifies the customers and potential demand for an energy efficiency upgrade financing program.

Author: Matthew Brown, Harcourt Brown & Carey; John MacLean, Energy Efficiency Finance Corporation
Publication Date: 2010

Tips for recruiting and procuring financial partners and developing and negotiating financial partner agreements.

Author: U.S. Department of Energy
Publication Date: 2010

Flowcharts showing the key program elements (financing; workforce development; marketing and outreach; and data, evaluation; and reporting).

Author: Environmental Finance Center at The University of North Carolina at Chapel Hill
Publication Date: 2010

This market assessment for CharlestonSAVES identifies the customers and potential demand for an energy efficiency upgrade financing program.

Author: Community Power Works
Publication Date: 2010

This planning document from Community Power Works of Seattle, Washington, includes flow charts and tables designed to help guide both the initial launch of the program, which includes setting goals, and its ongoing development.

Author: National Action Plan for Energy Efficiency
Publication Date: 2010

This report summarizes the approaches used by energy efficiency program administrators when assessing the range of financial and other incentives to be used in energy efficiency programs.

Author: U.S. Department of Energy
Publication Date: 2010

A template competitive procurement procedure to award loan loss reserve funds to a financial institution partner.

Author: U.S. Department of Energy
Publication Date: 2010

A template agreement demonstrating how to address the deposit and use of loan loss reserve funds.

Author: Merrian Fuller, Lawrence Berkeley National Laboratory
Publication Date: 2010

Presentation describing on-bill repayment programs and providing financing lessons learned.

Author: Environmental Finance Center at The University of North Carolina at Chapel Hill
Publication Date: 2010

This market assessment evaluates lending options for funding energy efficiency upgrades in North Carolina.

Finance Planning
Author: U.S. Department of Energy
Publication Date: 2010
Presentation, Media, Transcript

This webcast discussed the broad spectrum of needs financing mechanisms must address within integrated energy efficiency programs.

Author: Lawrence Berkeley National Laboratory
Publication Date: 2010

Policy brief outlining the HUD PowerSaver Pilot Loan Program.

Loan Loss Reserves: Lessons from the Field
Author: U.S. Department of Energy
Publication Date: 2010
Presentation, Media, Transcript

This webcast highlights lessons learned from programs that have used loan loss reserve funds.

Author: New York State Energy Research and Development Authority (NYSERDA)
Publication Date: 2010

Two visual flow charts, one that illustrates the process starting with customer interest to final incentive payment, and another that illustrates the program's quality assurance process.

Author: City of Bainbridge Island, Washington
Publication Date: 2010

A sample request for proposals from Bainbridge Island, Washington, related to establishing a revolving loan fund and loan loss reserve.

Author: City of Independence, Missouri
Publication Date: 2010

A sample competitive procurement procedure to award loan loss reserve funds to a financial institution partner.

Author: EnergySmart
Publication Date: 2010

A sample request for proposals from Boulder County, Colorado, to develop an energy efficiency and renewable energy rebate program.

Author: Environmental Defense Fund
Publication Date: 2009

Report that identifies and evaluates the sufficiency of available financing options to help low-income populations, particularly communities that have been historically overburdened by air pollution (i.e., "environmental justice communities"), invest in resource-saving measures, such as energy efficiency and water conservation.

Revolving Loan Fund Basics and Best Practices
Author: U.S. Department of Energy
Publication Date: 2009
Presentation, Media, Transcript

This webcast featured four presentations providing examples and best practices for revolving loan funds.

Author: National Renewable Energy Laboratory
Publication Date: 2009

This report provides information for states intending to set up a new revolving loan fund for state energy programs.

Revolving Loan Funds: An Introduction
Author: U.S. Department of Energy
Publication Date: 2009
Presentation, Media, Transcript

This webcast provides an introduction to revolving loans funds, highlighting basics and best practices.

Author: State of Washington Department of Commerce
Publication Date: 2009

A sample request for proposals from Washington state to develop an energy efficiency credit enhancement grant program.

Author: Michigan Saves
Publication Date: 2009

Sample RFP from Michigan Saves for a third-party to conduct an evaluability assessment and process evaluation for the program during the first phase of implementation.

Author: Alliance to Save Energy
Publication Date: 2009

This brief focuses on loan programs in 30 states that are currently providing low- to no-interest loans to finance energy efficiency improvements--from energy-efficient windows to replacement HVAC systems--in the residential, business, and public sectors.

Author: National Action Plan for Energy Efficiency
Publication Date: 2007

This report describes the effects of utility spending on efficiency programs, how those effects could constitute barriers to investment in energy efficiency, and how policy mechanisms can reduce these barriers.

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