On-Bill Financing

NOTE: These programs are available to agricultural, industrial and public customers. For commercial customers, there are two new energy efficiency programs available now. Please refer to the Small Commercial program or the Large Commercial Comprehensive Energy Management Systems program.

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

How to Apply in 3 Easy Steps

Step 1: Check Eligibility

Save time and find out if you're eligible  (pdf) for On-Bill Financing before you apply.

Important: You or your Trade Professional, must also verify that the measures that you’re installing are eligible for a rebate or incentive.


Step 2: Confirm Your Trade Professional's Status

View our Trade Professional Directory and confirm that your Trade Professional is on our list. Our authorized Trade Professionals must complete the Trade Professional Program Essentials training and submit the required documentation in order to submit projects on a customer's behalf or be listed on the project application. 

If you are self-installing, or the Trade Professional you're planning to use is not listed in our directory, make sure you understand the  program requirements (pdf) before proceeding with Step 3.  


Step 3: Complete and Submit the Application Package

Please note: If you are participating in SDG&E's Midstream Lighting Program, the proposal must list the proposed model numbers and quantities and include the participating distributor's signature. 

Other Resources

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:

Some projects may not qualify for OBF or may include components OBF is unable to finance. In those cases, consider the Small Business Financing program, a state-administered, SDG&E-supported program leveraging private capital to provide attractive financing for energy efficiency upgrades. Learn more at GoGreenFinancing.com


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.

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