SoCalGas - Non-Residential On-Bill Financing Program
Administered by Southern California Gas Company
If you own a multifamily property (and don't live there) or operate a non-residential business with an active SoCalGas account in good standing for at least two years, you can borrow $5,000–$250,000 at 0% interest to upgrade natural gas equipment like boilers, furnaces, commercial cooking gear, or insulation. Loan payments go directly on your bill, and energy savings help offset the costs. To apply, download the 2026 EE Business Rebate Guide, complete an OBF Interest Form to connect with an advisor, then finalize documents and install equipment with SoCalGas post-inspection.
You can support customers in financing energy-efficiency projects through SoCalGas's zero-percent, unsecured loans ranging from $5,000–$250,000 with no prepayment penalties or origination fees. The program accepts boilers, furnaces, heat recovery systems, commercial cooking equipment, insulation, and other qualifying upgrades that meet SoCalGas energy-efficiency program requirements and have payback periods supportable by the loan term (10 years for business, 15 for institutional). Use the Trade Professional Program to find qualified customers and provide full rebate application support.
The On-Bill Financing program provides 0% unsecured loans ($5,000–$250,000 for most customers; up to $1,000,000 for State of California accounts) attached to eligible SoCalGas energy-efficiency rebate programs, with repayment terms of 10 years (business) or 15 years (institutional/state) or equipment life, whichever is shorter. Funded by California utility customers and administered by SoCalGas under CPUC authority, the program targets non-residential customers (businesses, institutions, multifamily owners) with two-year account tenure and good credit, requiring that equipment install at the customer's meter, qualify for at least one EE program, and generate sufficient energy savings to support the loan payback period; first-come, first-served availability applies pending fund availability.
Program details
- Program ID
- 2513
- Last updated
- 8/7/2025
Eligibility
- Sectors
- commercial industrial local government nonprofit schools state government federal government tribal government agricultural multifamily residential institutional
- Technologies
- furnaces boilers heat recovery steam-system upgrades other ee insulation commercial cooking equipment
Program summary
The SoCalGas On-Bill Financing (OBF) program offers qualified business customers as well as multi-family residential owners 0% financing from $5,000 to $250,000 for qualifying natural gas equipment loans. All institutional customers (i.e. counties, cities, school districts, etc.) as well as low-income multifamily owners may receive $5,000 to $250,000 per meter, and State of California institutions can borrow up to $1,000,000 for one service account.
Projects must qualify for at least one SoCalGas energy-efficiency program, and is including but not limited to the purchase and installation of boiler economizers, boilers, commercial cooking equipment, pool covers and heaters, pipe & tank insulation, steamers, furnaces, heat recovery systems, natural gas engines, regenerative thermal oxidizers, and wastewater heat recovery systems. For other products that are not listed but have a payback period qualifying for OBF, contact SoCalGas.
The program is open to all non-residential customers, including owners of multi-family units who do not live on premises. Participants must have had an active account for the past two years and good credit standing as determined by the Utility. The funds may be used for a wide variety of efficiency improvement projects, and the monthly loan payments will be added directly to the customer's bill. Monthly energy savings help to offset the monthly loan charges. Review the program web site for additional information.
Contact & resources
- Contact email
- scgobf@SempraUtilities.com
- Additional resources
Please verify current program details with the administering agency before making any financial decisions.
