On-Bill Financing

Thank you for your interest in our On-Bill Financing Program.

We're pleased to announce that we have received authorization to collect additional funds for our On-Bill Financing Program and will proceed with contracting projects on a first come, first served basis.  Because funds are limited, effective immediately, a customer loan cap will be implemented.  Regardless of the number of eligible meters:

  • All non-government-funded customers will be limited to a maximum of $1 million dollars in total On-Bill Financing
  • All government-funded customers will be limited to a maximum of $2 million dollars in total On-Bill Financing  

For additional information, please refer to the questions below, or contact us at [email protected], or by phone at (800) 644-6133. 

  • Will the current meter caps remain in place?

    Yes, the current meters caps will still apply.

  • What if I recently applied and already exceed the maximum loan amount?

    If your application was received by SDG&E prior to 1/16/2018, SDG&E will proceed with processing that application, provided there is adequate funding, and the loan amount does not exceed the maximum loan amount based on the number of meters at the premise/location. All applications received as of 1/16/2018 will be subject to the new customer loan caps.

  • Does the customer loan cap apply to the original loan amount or just the unpaid balance?

    Like the meter-level caps, the customer loan caps apply to the original loan amount. Partial repayments are not taken into consideration.

  • What if I have existing loans and want to apply for additional funding?

    An eligible customer may qualify for additional financing if the total loan amount is less than the maximum allowed for the customer type (both at the meter-level and customer-level). For example, if a non-government-funded customer has existing loans that total $1,000,000 (the maximum), they must pay at least one of the loans in full prior to applying for additional funding. Alternatively, if a non-government-funded customer has existing loans that total $800,000, and decides to install additional equipment, the customer may qualify for up to $200,000, regardless of how much has been paid back. The same rules apply to the meter-level caps.

  • Now that SDG&E has received authorization to collect additional funds, will you still honor your 2017 rebate values, program rules and guidelines?

    As stated in our previous announcement issued on 12/08/2017, if an OBF application was received by SDG&E prior to 12/08/2017, SDG&E will honor the 2017 rebate values, program rules, and guidelines for that project, if the following conditions are met:

    1. SDG&E conducted a pre-inspection on or before 12/31/17;
    2. SDG&E has adequate funding as well as the appropriate documentation and information required to execute an OBF loan agreement on or before 2/28/18;
    3. all lighting products are purchased from a participating distributor no later than 3/30/18; and
    4. all non-lighting equipment is installed, and a signed rebate application is submitted no later than 5/31/18.

    If any of the conditions listed above are not met, the project will be subject to the most recently published rebate values, program rules, and guidelines applicable at the time the loan agreement is executed.

    Furthermore, if SDG&E has conducted a pre-inspection, and the OBF applicant chooses to forego On-Bill Financing, but still wishes to obtain rebates for equipment, and complies with conditions 3 and 4 above, the applicant will be eligible for the 2017 rebate values, program rules, and guidelines. Note: This scenario only applies to OBF applicants with a completed pre-inspection. All other applicants will be subject to the most recently published rebate values, program rules, and guidelines at the time of purchase and/or installation.

How to apply in 3 easy steps

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.

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.

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)

Other Resources