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On-Bill Financing

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Get Interest-Free Financing on Energy-Efficiency Upgrades

Want to make energy-efficient improvements, but need help financing? Your business could qualify for our On-Bill Financing Program (OBF).

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Program participants will enjoy:

  • 0% interest loans 
  • No fees
  • Convenient loan repayment through your monthly SCE utility bill 

You could also receive additional benefits from your project, including long-term energy savings and financial incentives for installing qualified energy-efficient equipment (restrictions apply). 

Download Fact Sheet

We’ll Work with You from Application to Financing


STEP 1 - Submit both your Incentive and OBF applications for credit evaluation and approval.


STEP 2 - Once approved, you can install your project and submit your Installation Report. 


STEP 3 - After inspecting and approving your installation, we’ll process your incentive payment.


STEP 4 - Finally, we’ll distribute your OBF loan funds and you’ll begin monthly repayments.

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Who is eligible?

All SCE business customers are eligible to apply.To participate in OBF, you’ll need to:

  • Apply for one or more qualifying incentive programs 
  • Have an active SCE account for a minimum of the last two years 
  • Be in good credit standing with SCE  
  • Confirm that you would only undertake this project with the help of an OBF loan 

Apply Online

You can submit both your OBF and Incentive applications for several incentives or rebate programs, including Express Solutions, Customized Solutions, Retro-Commissioning, or Midstream Point of Purchase.

If you are unable to apply online, please download the PDF and submit your completed application to by email or call 1-800-736-4777.

Watch video of how OBF helped the Mission Viejo Family YMCA

OBF helped the YMCA save 5% on their energy bill.

The Mission Viejo Family YMCA gave their facilities a facelift thanks to energy-efficiency upgrades through OBF.

Watch Video >

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Contact Us

Have questions or unable to apply online? Email or call 1-800-736-4777. For a Third Party OBF Program Application, please contact your authorized Third Party Program implementer. 

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Help Us Create a Clean Energy Future

Your energy-efficiency projects help us get closer to our goal of a carbon-free future in California. 

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This program is funded by California utility customers and administered by Southern California Edison under the auspices of the California Public Utilities Commission. This program is offered on a first-approved, first-served basis and is effective until funding is expended or the program is discontinued by the California Public Utilities Commission. The website provides information for the customers’ convenience; however, the program terms and conditions are set forth in the On-Bill Financing application and in the event of a conflict between the Loan Agreement and this website, the terms of the Loan Agreement shall govern. This program may be modified or terminated without prior notice. 

1Premise is defined as a building or a single location that provides a particular service or is used for a particular purpose.

2Bill neutrality, according to the CPUC’s May 18, 2012 decision guiding the 2013-2014 portfolio, refers to the situation in which the combined monthly or annual cost of energy efficiency loan repayments and the post-project utility bill do not exceed the amount of the original utility bill prior to the project being undertaken. See for more information.