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.

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

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

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

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

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

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

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.

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.

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

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