PG&E - Non-Residential Energy Efficiency Financing Program
Get 0% interest financing for energy-efficient equipment upgrades like LED lighting, HVAC, motors, refrigeration, and water pumps at your business or government facility. Your monthly loan payment is designed to align with your estimated monthly energy savings, and once the loan is paid off, additional savings appear on your bill. To qualify, you need 24 months of billing history, 12 months at the site, and acceptable payment history; loans range from $5,000 to $250,000 per premise (up to $6,000,000 total across multiple loans at the same premise, with special approval).
PG&E's program finances qualifying energy-efficiency retrofits including lighting, HVAC, motors, refrigeration, food service equipment, and water pumps for non-residential customers. You may install equipment or the customer may self-install; PG&E will inspect the facility before old equipment removal and after new equipment is operating. Loan terms and payments are based on estimated monthly savings; projects qualifying for PG&E rebates or incentives may be eligible, though loans over $250,000 cannot combine incentives. Implementation costs, technical review fees, compliance, O&M, tax, and labor are eligible expenses.
This 0% on-bill financing program serves PG&E's non-residential customer base (commercial, industrial, government, nonprofits, schools, institutions) with loans from $5,000–$250,000 per premise, extendable to $6,000,000 total per premise across multiple loans. Loan terms up to 120 months are structured so monthly payments align with estimated energy savings. Projects must qualify for a PG&E rebate or incentive, and loans over $250,000 cannot combine with other incentives. Tier 1A streamlines simple replacements ($5,000–$100,000, up to 72 months) with automated QA. Loans exceeding $400,000 require exceptional budget approval based on project scope, cost-effectiveness, savings depth, and California energy goals alignment.
Program details
- Program ID
- 5620
- Last updated
- 7/25/2025
Eligibility
- Sectors
- commercial industrial local government nonprofit schools state government federal government institutional
- Technologies
- custom/others pending approval
Program summary
PG&E is providing 0% loans for energy efficiency projects pursued by their non-residential customers. Financing is available to fund many technologies, including lighting, HVAC, electric motors, LED street lights, refrigeration, food service equipment and water pumps. Projects may be eligible for for financing if it qualifies for a rebate or incentive through a PG&E program.
Loan funds must be used to purchase and install qualifying energy-efficient equipment. Customers may use a contractor or self-install the equipment. PG&E will inspect the facility before the old equipment is removed, and again after the new products are operating. Loan terms and monthly payment amounts are determined based on the equipment's estimated monthly savings. Non-residential customers may qualify for loans between $5,000 and $250,000 per premises, with loan periods of up to 120 months. Loans up to $4,000,000 per premises may be available for projects where a unique opportunity to capture large energy savings exists.**The sum of the loan amounts for each customer premises shall not exceed two hundred and fifty thousand dollars ($250,000) except where, in PG&E’s sole opinion, unique opportunities to capture large energy savings exist and all other OBF loan program terms will be met, the sum of the loan amounts may exceed two hundred fifty thousand dollars ($250,000) up to a maximum of four million dollars ($4,000,000).
Contact & resources
- Additional resources
Please verify current program details with the administering agency before making any financial decisions.
