On-bill financing (OBF) is a mechanism whereby cooperatives and utilities offer members and customers low-interest loans for efficiency upgrades that the borrower repays as part of his or her monthly electricity bill. These resources provide an overview and insights regarding OBF for electric cooperatives:

• Article: Introduction to On Bill Financing for Electric Cooperatives (October 2012)
• RE Magazine Article: On Bill Financing - The Ins and Outs of Providing Consumer Loans for Efficiency Upgrades (July 2016)

Additional Resources:

• Webinar: RUS Energy Efficiency and Consumer Load Program (February 2014)