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 would usually cause a big strain on profits. Little did she know that 25% of the cost was defrayed by SDG&E incentives and the remaining 75% she would be able to finance through SDG&E’s On Bill Financing Program, paying it 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). For more details about the Program check out our fact sheet and program handbook

    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 Trade Professional Alliance Member: Check our directory to see if the Trade Professional you’re working with is on our list. Our Trade Professionals 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 Professionals not listed in our directory:  If you're self-installing, or the Trade Professional you’re planning to use is not listed in our directory, make sure you understand the program eligibility and then proceed with step 3. We welcome all new Trade Professionals interested in learning more about our programs. 

  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)