On-Bill Financing

On-Bill Financing works in conjunction with SDG&E's rebate and incentive programs. On-Bill Financing offers eligible customers zero-percent financing for qualifying energy-efficient business improvements.

Changes to On-Bill Financing

On-Bill Financing lighting restriction

Effective November 19, 2013, projects with basic lighting measures that make up more than 20% of the project cost are no longer eligible for On-Bill Financing. On September 19, 2013, the California Public Utilities Commission (The Commission) issued a Final Decision Implementing 2013-2014 Energy Efficiency Financing Pilot Programs (pdf), which ordered this restriction on basic lighting projects. LED measures that qualify for an SDG&E rebate or an incentive are exempt from the 20% restriction. Please note that government-funded customers are exempt from the 20% basic lighting restriction.

In an effort to comply with the new basic lighting restriction, On-Bill Financing project submittals will need to provide a cost breakdown by measure. The On-Bill Financing Supplemental Worksheet will be updated to capture the breakdown of cost by measure. In the meantime, Trade Professionals will be asked for a breakdown of costs by measure via e-mail when submitting an On-Bill Financing application.

Projects that no longer qualify for On-Bill Financing are expected to qualify for a new finance offering also approved in the September 19, 2013, decision, called On-Bill Repayment. On-Bill Repayment will offer access to third-party financing from select financial institutions, and will include interest rates as set by the program and lenders. The loans will be repaid in monthly installments on the utility bill. On-Bill Repayment is expected to launch by early 2015.

If you have any questions or concerns about the recent changes to On-Bill Financing, please contact our Energy Savings Center at 1-800-644-6133 or email at businessenergysavings@sdge.com.

Learn More

How to Apply

Step 1 Check On-Bill Financing Eligibility (pdf)

Step 2 Complete the Application (pdf) and Supplemental Worksheet (xls)

Questions? Contact our Energy Savings Center at 1-800-644-6133 or email at businessenergysavings@sdge.com

  • 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:

  • On-Bill Financing Customer Success Stories

    Find out how customers save money with On-Bill Financing.

  • 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.