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On-Bill Financing

Finance Your Energy Efficiency Upgrades with 0% Interest


On-Bill Financing (OBF) Overview

Want to upgrade your business equipment to be more energy efficient? If you qualify, we can help you finance eligible projects with our On-Bill Financing program. OBF allows you to:

  • Apply for a no-fee, interest-free loan
  • Pay back the loan through your SCE electric bill
  • Make payments based on estimated energy savings
  • Reduce energy usage

Watch the video to see how OBF can make a difference. Watching the video is a requirement for all OBF applicants.

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How will OBF affect your bottom line?

When you upgrade your equipment, you may be able to lower your energy usage. If your project qualifies for OBF, your monthly payment is calculated to be approximately equal to your estimated monthly savings from replacing less efficient equipment with more efficient equipment. Please note that your electric bill may be affected by changes in usage, installation of additional equipment, or other factors.

OBF Fact Sheet > 

The 6 Steps of the OBF Application Process


Customer/Trade Pro submits Incentive and OBF Applications


We review your loan application and, if approved, we reserved the OBF funds


Customer/Trade Pro installs project and submits report

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If everything is done correctly, we approve the installation and issue the rebate or incentive


OBF loan funds are distributed


Customer begins monthly repayments

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If you are considering On-Bill Financing, carefully review all the program information below (including “New OBF Policy Changes effective September 1, 2017”) as there are changes designed to:

  • Assure alignment with similar programs offered by other California investor-owned utilities, as required by the California Public Utilities Commission (CPUC).
  • Promote cost-effective, comprehensive (multi-end use) projects.
  • Provide greater assurance that customers (borrowers) fully understand program obligations.

Apply for an OBF Loan

Our Online Application Tool allows you to submit your OBF application along with applications for several related incentive or rebate programs, including Express Solutions, Customized Solutions, Retro-Commissioning, or Midstream Point of Purchase for OBF (See “Who is Eligible?” below). The tool can save time and decrease the risk of your application being rejected or held for missing or incorrect information.

If you are unable to apply online, please email or call 1-800-736-4777. For a Third Party OBF Program Application, please contact your authorized Third Party Program implementer.

More Information

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.