On-Bill Financing

0% interest loans for qualifying businesses

Every eligible business, whether you’re the neighborhood Veterinary clinic, an entertainment venue or a top-rated hospital, can receive 0% financing and pay for qualifying energy-efficient business improvements through their SDG&E bill.

“We’re working with SDG&E and the On-Bill Financing Program. Which is a great program that gave us 0% interest over 5 years and now we’re able to implement other energy efficiency projects.”
- Mark Guglielmo, Vice President, Ballpark Operations/General Manager Petco Park
- Randy McWilliams, Senior Director Facility Services

Patty Ungar DVM, CVA/Owner Kensington Veterinary Hospital needed a new HVAC System which causes a big strain on profits. Little did she know but 25% of the cost was defrayed by SDG&E incentives and the remaining $75,000, covered through SDG&E’s On Bill Financing Program, will be paid off with 0% interest in 55 installments.


How to apply in 3 easy steps:

  1. Eligibility

    The Program is first come, first serve, but make sure you're eligible (pdf)

    Important: Before applying for On-Bill Financing you, or your Trade Pro, need to verify that the measures that you’re installing are eligible for a rebate or incentive.

  2. Who is installing the project?

    SDG&E Authorized Trade Pro: Check our directory to see if the Trade Pro you’re working with is on our list. Our authorized Trade Pros are required to complete On-Bill Financing Training and sign the Trade Professional Participation Guidelines in order to submit an application on a customer's behalf. They will make sure that step 3 below is completed, but we think it is important for you to review all submitted documents as well.

    Self-installing or Trade Pros not listed in our directory:  If you, or the Trade Pro you’re planning to use, is not listed in our directory make sure you understand the program eligibility then proceed with step 3. We welcome all new Trade Professionals interested in learning more about our programs. You will find instructions below to join the Trade Pro directory.

  3. Completing the application

    If you received a proposal, review it and use it to assist you with completing the Application (pdf) and Supplemental Worksheet (xls)

  • Resources for Trade Professionals

    If you are a trade professional, you are required to complete OBF Training and sign the Trade Professional Participation Guidelines in order to submit an application on a customer's behalf. You will also want to review the following:

  • Benchmarking

    Before you take any steps to reduce your energy use, it’s helpful to build a complete picture about how your facility currently uses energy. Benchmarking provides you with an easy way to assess and monitor your energy use.

    The EPA’s ENERGY STAR® Portfolio Manager is a tool that helps you identify savings opportunities, verify energy efficiency improvements, and receive EPA recognition for exemplary energy performance.

    Once you have created your building portfolio in Portfolio Manager, you can use SDG&E’s no-cost, easy-to-use Automated Benchmarking Service to automatically send your building’s energy use information to the EPA’s ENERGY STAR Portfolio Manager.

  • Questions/Contact Us

    Contact our Energy Savings Center at 1-800-644-6133 or email at [email protected]