The document promotes a Pay As You Save (PAYS) LED lighting retrofit scheme that requires zero upfront investment. Through the PAYS scheme, an assessment of existing lighting and energy usage is conducted, a proposal is prepared showing expected savings, and LED replacements are installed and financed through monthly installments paid from the savings on energy bills. Two case studies of a hotel and office building retrofit show estimated 80% energy savings and repayment periods of 14 and 13.4 months respectively through lowered energy costs covering the retrofit expenses.