Funding Wizard

The Small Business Financing (SBF) program offers affordable options to help California businesses shrink their energy bills and carbon footprints.

Administered by the State of California with support from the state’s investor-owned utilities, the SBF program is a flexible way to upgrade your business and save.

Program benefits

•  Finance 100% of project costs
•  Broad list of qualifying measures
•  Financing may be used for non-energy upgrades
•  Finance a simple replacement or a comprehensive building upgrade
•  Quick approval
•  Attractive terms

The Residential Energy Efficiency Loan (REEL) program was designed to help California homeowners and renters access affordable financing for energy efficiency projects.

Owners of any residential property are eligible for the REEL program, as are renters at the discretion of the lender and with the property owner’s permission. Customers may upgrade a single-family home, townhome, condo, duplex, triplex, fourplex or manufactured home. And, with REEL, renovations for up to four units can be bundled into the same loan.

Eligibility requires that the property receive electric or natural gas service from Pacific Gas and Electric Company (PG&E®), San Diego Gas & Electric Company (SDG&E®), Southern California Edison (SCE®) or Southern California Gas Company (SoCalGas®). For complete program rules and regulatory information, please reference the REEL Program Regulations+.

Reduce before you produce! The REEL program prioritizes energy reduction (through energy efficiency) over energy production. At this time, lenders are not offering solar loans through the REEL program.

With different lenders and loan options, there’s a REEL solution for your home improvement needs.

The Affordable Multifamily Financing program targets multifamily properties where at least 50% of the units are income restricted.

Like all of the programs highlighted on GoGreen Financing, the Affordable Multifamily Financing program is designed to encourage growth in private market lending and features a credit enhancement to help financing entities mitigate risk. It is designed to leverage and complement existing state and utility efforts to encourage affordable multifamily properties to install energy efficiency retrofits.

Property must receive electric and/or gas service from any of the following investor-owned utilities (IOU):

• Pacific Gas and Electric Company (PG&E®)
• San Diego Gas & Electric Company (SDG&E®)
• Southern California Edison (SCE®)
• Southern California Gas Company (SoCalGas®)

Loans enrolled in the On-Road Heavy-Duty Vehicle Air Quality Loan Program can be used to finance heavy-duty trucks and buses (over 14,000 GVWR) equipped with engines certified to specified engine emission standards for 2007 and newer model year engines, and diesel exhaust retrofits. The California Capital Access Program (CalCAP) together with the California Air Resources Board may provide up to 100% coverage on certain loan defaults.