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On-Bill Financing: An Energy Efficiency Solution for Iowa's Communities Webinar October 8th

Posted By IAMU, Tuesday, October 6, 2015

IAMU and the Environmental and Energy Study Institute (EESI) are proud to invite you to a webinar regarding on-bill financing and, specifically, its applications for member-owned utilities in Iowa. This presentation will look at two on-bill financing programs. The first presentation is a successful weatherization loan program run by Eugene Water and Electric Board (EWEB) in Eugene, Oregon. Iowa’s own Bloomfield Municipal Utility will provide an overview of their on-bill program and their energy independence goals.

 “On-bill financing” programs, in which utilities issue loans for energy improvements that are repaid as part of the participating customer’s monthly utility bill, are an exciting opportunity to expand energy efficiency and renewable energy efforts around the country. The most common application is to finance residential energy efficiency upgrades, which can be designed to produce savings that offset or even surpass the monthly loan payment. On-bill can also be used to finance non-residential energy efficiency, renewable energy (e.g. solar and wind), and water improvements. The loan repayment is covered in whole or in part with the savings accrued thanks to the energy retrofits. No up-front payments by the customer are necessary.

Successful pilot models and programs have shown that rural electric cooperatives (co-ops) and public power utilities can use OBF programs to expand access and uptake of energy efficiency programs and significantly reduce peak demand and fossil fuel use, while improving customer satisfaction and comfort. Because of OBF’s ability to use customer’s bill payment history, instead of credit checks, to determined loan eligibility, it increases access for low-income households without raising default rates.

EESI has recently expanded its on-bill financing initiative into a national effort to significantly improve the energy efficiency of homes served by co-ops and public utilities. EESI is available to help rural utilities apply to a new U.S. Department of Agriculture loan program to capitalize their projects. Learn more about EESI's on-bill financing project.


  •  Mark Freeman: Consumer Service Manager, Eugene Water and Electric Board (EWEB)
  • Chris Ball: Director of Energy Efficiency, City of Bloomfield

To register for the webinar, please go to:

Tags:  Energy Efficiency 

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