Reports and Presentations

Overcoming the Barriers to Energy-Related Investments with an On-Bill Financing Program: A Primer for Municipal Utilities and Electric Cooperatives – Collaborative Efficiency, Michigan Saves and the Environmental and Energy Study Institute, 2015

Inclusive Financing webinar series – Southeast Energy Efficiency Alliance, 2017

Inclusive Financing for Efficiency and Renewable Energy – Institute for Local Self-Reliance, 2016

Digging Deeper for Energy Savings: A Look at Successful On-Bill Financing Program Designs – Johnson Consulting Group, Corn Belt Energy, Southeast Energy Efficiency Alliance, and Wisconsin Energy Efficiency Corporation, 2016

On-Bill Loan Program Implementation Guide – Holland Board of Public Works (Michigan), 2016

USDA Financial Resources for Rural On-Bill Financing Energy Efficiency Programs – Appalachian Voices, Clean Energy Works and the Environmental and Energy Study Institute, 2016

Financing Energy Improvements on Utility Bills: Market Updates and Key Program Design Considerations for Policymakers and Administrators – State and Local Energy Efficiency Action Network (SEE Action) and Lawrence Berkeley National Laboratory, 2014  (Note: includes case study on the "Help My House" pilot)

On-Bill Financing: Cost-Free Energy Efficiency Improvements – National Conference of State Legislatures, 2014

Help My House Pilot Program Final Summary Report and Help My House Pilot Fact Sheet – Prepared for Central Electric Power Cooperative and The Electric Cooperatives of South Carolina, 2013

On-Bill Financing: Exploring the Energy Efficiency Opportunities and Diversity of Approaches – ACEEE, 2012

Borrowing to Save Energy: An Assessment of Energy Efficiency Programs – Resources for the Future, 2012

On-Bill Financing for Energy Efficiency Improvements: A Review of Current Program Challenges, Opportunities, and Best Practices – ACEEE, 2011

Energy Efficiency Finance Options and Roles for Utilities – Southwest Energy Efficiency Project, 2011

State Clean Energy Policies Analysis: State, Utility, and Municipal Loan Programs – NREL, 2010

What have we learned from Energy Efficiency Financing Programs? – ACEEE, 2011

State Energy Efficiency Policies. Options and Lessons Learned. A Series of Briefs. Brief #3: Paying for Energy Upgrades Through Utility Bills – Alliance to Save Energy, 2009

How to Start, Expand, or Refine Demand-Side Management Programs: A Guide to Energy Efficiency Best Practices for Locally Governed Electric Service Areas – The Cadmus Group, 2014

Innovations and Opportunities in Energy Efficiency Finance – Wilson Sonsini Goodrich & Rosati, 2012

Accessing Secondary Markets as a Capital Source for Energy Efficiency Finance Programs: Program Design Considerations for Policymakers and Administrators – DOE SEE Action, 2015


Key Websites

Utility On-Bill Programs – Southeast Energy Efficiency Finance Network

Energy Efficiency and Conservation Loan Program Home Page – USDA Rural Utility Service

Guide to USDA’s Energy Efficiency and Conservation Loan Program – Appalachian Voices

Annual Residential Electricity Sales for All U.S. Electric Utilities – U.S. Energy Information Administration (see Table 6 for residential data by utility)


News Stories

"After first year, on-bill financing by Michigan utility enabling bigger efficiency upgrades"– Midwest Energy News 10/5/17)

"Rebate, loans for energy-saving home projects available to Holland residents" – Holland Sentinel (9/27/16)

"Program aims to grow on-bill financing in Iowa and Minnesota" – Midwest Energy News (2/10/16)

"Sparking change: On-bill financing could make energy efficiency upgrades easier in Michigan" – Charles Stewart Mott Foundation (1/27/16)

"Utilities making efficiency upgrades easier with on-bill financing" – Midwest Energy News (11/2/15)

"Encouraged by study, Iowa town pursuing energy independence" – Midwest Energy News (10/1/15)

"USDA Finances First Energy Efficiency Program Loans in Arkansas and North Carolina" – USDA Press Release (10/23/14)

"Co-ops Get $35 Million for Efficiency, Jobs" – Electric Co-Op Today (10/6/14)

"How to be Part of RUS Efficiency Loan Program" – Electric Co-Op Today (2/23/14)

"USDA Launches Energy Efficiency Loan Program" – EESI Press Release (12/10/13)

"Help My House program a model on national level" – The Island Packet – Hilton Head, SC (8/4/13)

"Efficiency Is No-Brainer for Co-ops" – Electric Co-Op Today (7/31/13)

"Novel Program Shaves Electricity Bills By 34% In South Carolina" – Forbes (7/22/13)

"Co-ops Key in USDA Efficiency Plan" – Electric Co-Op Today (7/19/12)

"South Carolina rural energy efficiency effort goes national" – Associated Press, hosted by Myrtle Beach Online (7/17/12) 



EESI produced this video highlighting the Holland On-Bill Loan Program, launched in late 2016. EESI provided assistance in the design and development of the program.


EESI hosted a webinar in October 2015 featuring on-bill program managers from the public utilities for Eugene, OR and Bloomfield, IA.