The document discusses Property Assessed Clean Energy (PACE) financing for renewable energy and energy efficiency projects. PACE provides an alternative to traditional bank loans, allowing up to 100% financing for qualifying projects. Repayments are secured through a municipal assessment lien. The document outlines the benefits of PACE financing and New York's Open C-PACE program. It provides case studies of commercial and multi-family building renovations that utilized PACE funding. The document encourages municipalities to enable Open C-PACE through local laws and agreements in order to provide PACE financing options to property owners.
PACE financing allows property owners to pay for energy efficiency, renewable energy, and water efficiency projects through additional assessments on their property tax bill over 5-20 years. The contractor receives funds upfront to complete the retrofit project. Then the property owner pays back the funds as a special assessment on their property taxes. This overcomes challenges like lack of access to financing, limited internal capital budgets, and uncertainty around payback periods by spreading costs over many years and securing repayment through a senior lien on the property.
Beth Galante | Innovation Showcase | 2014 Solar SymposiumGW Solar Institute
This is an Ignite Style presentation (five minute max presentations with slides that automatically advance every 15 seconds) that was a part of the 2014 Solar Symposium Innovation Showcase.
Beth Galante, Chief Energy Efficiency Officer, PosiGen LLC
Making Third Party Ownership Work for Lower-Income Clients: Find out how bundling energy efficiency and solar, government incentives, and standardization is helping low-income individuals, families, and businesses in Louisiana achieve greater fiscal autonomy and energy independence by lowering their energy consumption.
The annual shareholder meeting covered El Paso Electric's (EE) leadership transitions, 2012 financial and operational accomplishments, renewable energy initiatives, and 1st quarter 2013 highlights. Two new directors were elected to EE's board in 2012. EE distributed $38.9 million in dividends in 2012 and increased its credit facility to $300 million. EE was recognized for its emergency response efforts and ranked as the most reliable utility in Texas for the second year in a row. EE also expanded its renewable energy capacity through new solar projects. Earnings per share increased in the 1st quarter of 2013 compared to the prior year.
Jon Hillis | Innovation Showcase | 2014 Solar SymposiumGW Solar Institute
This is an Ignite Style presentation (five minute max presentations with slides that automatically advance every 15 seconds) that was a part of the 2014 Solar Symposium Innovation Showcase.
Jon Hillis, Vice President, Prospect Solar
Combining Solar with Green Roofs: Find out how Green Roof Integrated PV in urban areas like DC can take advantage of the symbiotic relationship between solar panels and green roof plants, alleviate competition for roof space, and address energy concerns and storm water drainage issues that are prevalent in larger cities.
Property Assessment Clean Energy (PACE) FinancingTNenergy
PACE financing districts allow property owners to finance energy efficiency projects through property tax assessments. Local governments form districts under state PACE legislation and partner with local trades to market projects. Property owners can then access financing funds with little to no upfront costs and pay back assessments through utility bills. Payments are fixed and low. This benefits both property owners through energy savings and local governments through increased energy capacity and reduced consumption goals.
Focus on Energy presented Johnson Financial Group with a $40,000 check after installing energy management controls at its headquarters that will save the bank $57,000 annually in energy costs. The upgrades reduce heating, cooling, and ventilation system run times and allow for temperature setbacks. This will save Johnson Financial Group over 500,000 kilowatt-hours of electricity and 17,000 therms of natural gas annually, equivalent to powering 70 homes for a year. The project obtains significant sustainability and cost savings while lowering environmental impact.
The document discusses Property Assessed Clean Energy (PACE) financing for renewable energy and energy efficiency projects. PACE provides an alternative to traditional bank loans, allowing up to 100% financing for qualifying projects. Repayments are secured through a municipal assessment lien. The document outlines the benefits of PACE financing and New York's Open C-PACE program. It provides case studies of commercial and multi-family building renovations that utilized PACE funding. The document encourages municipalities to enable Open C-PACE through local laws and agreements in order to provide PACE financing options to property owners.
PACE financing allows property owners to pay for energy efficiency, renewable energy, and water efficiency projects through additional assessments on their property tax bill over 5-20 years. The contractor receives funds upfront to complete the retrofit project. Then the property owner pays back the funds as a special assessment on their property taxes. This overcomes challenges like lack of access to financing, limited internal capital budgets, and uncertainty around payback periods by spreading costs over many years and securing repayment through a senior lien on the property.
Beth Galante | Innovation Showcase | 2014 Solar SymposiumGW Solar Institute
This is an Ignite Style presentation (five minute max presentations with slides that automatically advance every 15 seconds) that was a part of the 2014 Solar Symposium Innovation Showcase.
Beth Galante, Chief Energy Efficiency Officer, PosiGen LLC
Making Third Party Ownership Work for Lower-Income Clients: Find out how bundling energy efficiency and solar, government incentives, and standardization is helping low-income individuals, families, and businesses in Louisiana achieve greater fiscal autonomy and energy independence by lowering their energy consumption.
The annual shareholder meeting covered El Paso Electric's (EE) leadership transitions, 2012 financial and operational accomplishments, renewable energy initiatives, and 1st quarter 2013 highlights. Two new directors were elected to EE's board in 2012. EE distributed $38.9 million in dividends in 2012 and increased its credit facility to $300 million. EE was recognized for its emergency response efforts and ranked as the most reliable utility in Texas for the second year in a row. EE also expanded its renewable energy capacity through new solar projects. Earnings per share increased in the 1st quarter of 2013 compared to the prior year.
Jon Hillis | Innovation Showcase | 2014 Solar SymposiumGW Solar Institute
This is an Ignite Style presentation (five minute max presentations with slides that automatically advance every 15 seconds) that was a part of the 2014 Solar Symposium Innovation Showcase.
Jon Hillis, Vice President, Prospect Solar
Combining Solar with Green Roofs: Find out how Green Roof Integrated PV in urban areas like DC can take advantage of the symbiotic relationship between solar panels and green roof plants, alleviate competition for roof space, and address energy concerns and storm water drainage issues that are prevalent in larger cities.
Property Assessment Clean Energy (PACE) FinancingTNenergy
PACE financing districts allow property owners to finance energy efficiency projects through property tax assessments. Local governments form districts under state PACE legislation and partner with local trades to market projects. Property owners can then access financing funds with little to no upfront costs and pay back assessments through utility bills. Payments are fixed and low. This benefits both property owners through energy savings and local governments through increased energy capacity and reduced consumption goals.
Focus on Energy presented Johnson Financial Group with a $40,000 check after installing energy management controls at its headquarters that will save the bank $57,000 annually in energy costs. The upgrades reduce heating, cooling, and ventilation system run times and allow for temperature setbacks. This will save Johnson Financial Group over 500,000 kilowatt-hours of electricity and 17,000 therms of natural gas annually, equivalent to powering 70 homes for a year. The project obtains significant sustainability and cost savings while lowering environmental impact.
Implementing an on-site energy strategy requires a solution to the barrier of upfront cost. The unique energy financing program known as Property Assessed Clean Energy can make launching an on-site solution project cash flow positive immediately!
The document discusses integrating solar energy and energy efficiency approaches to help meet California's greenhouse gas reduction goals. It notes that current clean energy adoption rates will not be enough and that financing can help more property owners adopt solar and efficiency upgrades. Specifically, it outlines Property Assessed Clean Energy financing programs that require energy assessments and efficiency improvements before financing solar photovoltaics. A survey found most solar customers also adopt or plan efficiency upgrades. The document calls for more program integration of solar and efficiency and expanded workforce training to scale up clean energy adoption.
It has been a decade since the electricity market of Texas has been deregulated in order to provide a cheaper source of energy for the people of Texas. This action has helped create a reliable infrastructure with multiple energy providers thriving in a healthy and competitive environment rather than a single company manufacturing and transmitting power, and then billing you for the power in a one-size-fits-all format.
Let us have a look at the differences between the traditional post-paid system and the reliable prepaid energy system:
The document discusses energy efficiency insurance, which protects investments in energy saving technologies. It covers the costs of installing energy saving initiatives, guarantees annual energy savings, and insures against loss of revenue from energy services contracts. The policy is available for up to five years and aimed at building owners, energy service companies, and lenders to encourage investment in energy efficiency projects and removal of technical risks.
Expanding On-Bill Financing To TE by John-Michael CrossForth
John-Michael Cross, Policy Associate at Environmental and Energy Study Institute gave this presentation at the Oregon Utilities Virtual Convening on Transportation Electrification on August 6, 2020.
Holiday Inn Express Woodland Hills Electricity Savings Solar Panels Case Stud...Edward Ptacek
The Holiday Inn Express in Woodland Hills, CA was spending $64,000 annually on electricity. Solar Choice Solutions proposed a two-phase initiative to reduce these costs by both installing LED lighting and a roof-mounted solar electric system. Phase 1 involved replacing all lighting with LEDs, reducing electricity usage by 25% and demand by 5%. Phase 2 installed a 181,000 kWh solar system covering 42% of the building's consumption. The total project cost $394,600 after incentives but had a payback of only 1.5 years, saving over $50,000 in the first year through dramatically reduced electricity bills.
The document discusses programs to help homeowners avoid foreclosure, including the Home Affordable Refinance Program and Home Affordable Modification Program. It provides details on eligibility requirements, trial periods, documentation needed, and key statistics. The programs are aimed at reducing mortgage payments for struggling homeowners through refinancing or modifications.
Belay Energy helps commercial real estate owners improve building efficiency and reduce costs. They conduct assessments to identify utility savings opportunities. They then develop customized strategies and oversee project implementation. For Benedictine Health System, Belay implemented lighting and water retrofits across 21 and 13 facilities respectively. This realized $800,000 in annual utility savings, $243,280 in avoided mechanical costs, and short 3.6 year payback for the $1.2 million project portfolio.
We’re so excited to share the new solutions we have available to the charter school community. Watch this Product & Resources Overview to learn about our new Energy solution and how efficient buildings make for better learning environments. Learn more at charterschoolcapital.org.
The document summarizes the initiatives of the New York City Department of Environmental Protection (DEP) to supply water and manage wastewater for New York City residents. It outlines DEP's mission to provide these essential services to 9 million customers. It then summarizes DEP's proposed 7.5% water rate increase for 2012, customer service initiatives like the My DEP online account and paperless billing, capital projects, and efforts to reduce regulatory mandates and costs.
The document provides information about various energy programs offered by CSU Utilities, including requirements and details for:
1. A new home construction rebate program that requires homes be built in CSU's service area and meet insulation and HVAC standards.
2. An HVAC replacement rebate requiring units meet a minimum 15 SEER rating and permits be obtained.
3. An LED bulb rebate crediting $2 per bulb to customer accounts annually on January 1st for receipt-provided purchases.
4. A lighting rebate based on kW reduction for receipt-provided LED upgrades documented in lighting plans.
5. A smart thermostat rebate requiring internet-connected devices be used in standard HV
This business has been accredited by the Better Business Bureau since 2005. It meets BBB standards, which require making a good faith effort to resolve customer complaints. The business's products can help reduce utility bills and increase indoor energy efficiency. Government agencies predict energy usage will increase by 14.65% annually for the next 15 years.
Base load plants provide the baseline energy needs for a utility's entire service area and are major long-term investments. Peak load plants supply additional energy during periods of high demand like hot summer days. Supplemental power plants provide backup power. Utilities face challenges with falling revenue as conservation reduces demand but sunk costs remain, while regulations are shutting down coal plants and increasing scrutiny on nuclear. Renewables and natural gas are costly alternatives that cannot provide baseline power.
East Meets West is a US-based nonprofit that operates in Asia, focusing on education, healthcare, clean water, and infrastructure programs. It has over 110 employees across Asia and an annual revenue of $17 million. Its core work involves long-term community programs, using innovative and scalable solutions to solve problems in a measurable way through strong local partnerships. It implements output-based aid models in Vietnam to improve access to services, using performance-based subsidies and engaging the private sector. Key results include over 50,000 new household connections to water and sanitation facilities.
Eco E offers an energy management service solution with no upfront costs and guaranteed 20% savings on electricity costs. Customers pay a single monthly fee for Eco E to install and monitor an LED lighting system. Eco E is responsible for installation, maintenance, and ensuring ongoing savings over the 5-year agreement. The solution reduces electricity usage and costs while eliminating customer risk and exposure to additional costs.
Emilie is a 26-year-old English teacher who enjoys meeting new people and traveling. She has a 4-year-old son and likes skiing and spending time with her family. Emilie wants to teach English to help people communicate internationally for work, travel, and leisure, and to build confidence in her students. She believes using information and communication technologies can help students communicate outside of class, stay engaged by relating to their interests, and allow her to communicate with parents and connect students internationally.
This document lists the names of various animals including cow, buffalo, goat, hare, dog, cat, horse, pig, camel, donkey, lion, tiger, elephant, bear, kangaroo, monkey, cheetah, fox, giraffe, and zebra to help one learn how to spell and pronounce their names.
The document is an advertisement for massage therapy services provided by Rosalind Taylor, LMT, who has 17 years of experience. She provides various massage disciplines like Swedish, deep tissue, shiatsu, and sports massage. Her goal is to renovate her clients through massage as part of physical rehabilitation or self-improvement. She makes home, hotel, and in-call appointments and provides her contact information.
The document is an advertisement for massage therapy services provided by Rosalind Taylor, LMT, who has 17 years of experience. She provides various massage techniques including Swedish, deep tissue, shiatsu, sports massage, and Reiki. Her massages are performed either at her private practice or through outcalls to homes, hotels, or offices. Her goal is to provide clients with a relaxing and beneficial massage experience.
Implementing an on-site energy strategy requires a solution to the barrier of upfront cost. The unique energy financing program known as Property Assessed Clean Energy can make launching an on-site solution project cash flow positive immediately!
The document discusses integrating solar energy and energy efficiency approaches to help meet California's greenhouse gas reduction goals. It notes that current clean energy adoption rates will not be enough and that financing can help more property owners adopt solar and efficiency upgrades. Specifically, it outlines Property Assessed Clean Energy financing programs that require energy assessments and efficiency improvements before financing solar photovoltaics. A survey found most solar customers also adopt or plan efficiency upgrades. The document calls for more program integration of solar and efficiency and expanded workforce training to scale up clean energy adoption.
It has been a decade since the electricity market of Texas has been deregulated in order to provide a cheaper source of energy for the people of Texas. This action has helped create a reliable infrastructure with multiple energy providers thriving in a healthy and competitive environment rather than a single company manufacturing and transmitting power, and then billing you for the power in a one-size-fits-all format.
Let us have a look at the differences between the traditional post-paid system and the reliable prepaid energy system:
The document discusses energy efficiency insurance, which protects investments in energy saving technologies. It covers the costs of installing energy saving initiatives, guarantees annual energy savings, and insures against loss of revenue from energy services contracts. The policy is available for up to five years and aimed at building owners, energy service companies, and lenders to encourage investment in energy efficiency projects and removal of technical risks.
Expanding On-Bill Financing To TE by John-Michael CrossForth
John-Michael Cross, Policy Associate at Environmental and Energy Study Institute gave this presentation at the Oregon Utilities Virtual Convening on Transportation Electrification on August 6, 2020.
Holiday Inn Express Woodland Hills Electricity Savings Solar Panels Case Stud...Edward Ptacek
The Holiday Inn Express in Woodland Hills, CA was spending $64,000 annually on electricity. Solar Choice Solutions proposed a two-phase initiative to reduce these costs by both installing LED lighting and a roof-mounted solar electric system. Phase 1 involved replacing all lighting with LEDs, reducing electricity usage by 25% and demand by 5%. Phase 2 installed a 181,000 kWh solar system covering 42% of the building's consumption. The total project cost $394,600 after incentives but had a payback of only 1.5 years, saving over $50,000 in the first year through dramatically reduced electricity bills.
The document discusses programs to help homeowners avoid foreclosure, including the Home Affordable Refinance Program and Home Affordable Modification Program. It provides details on eligibility requirements, trial periods, documentation needed, and key statistics. The programs are aimed at reducing mortgage payments for struggling homeowners through refinancing or modifications.
Belay Energy helps commercial real estate owners improve building efficiency and reduce costs. They conduct assessments to identify utility savings opportunities. They then develop customized strategies and oversee project implementation. For Benedictine Health System, Belay implemented lighting and water retrofits across 21 and 13 facilities respectively. This realized $800,000 in annual utility savings, $243,280 in avoided mechanical costs, and short 3.6 year payback for the $1.2 million project portfolio.
We’re so excited to share the new solutions we have available to the charter school community. Watch this Product & Resources Overview to learn about our new Energy solution and how efficient buildings make for better learning environments. Learn more at charterschoolcapital.org.
The document summarizes the initiatives of the New York City Department of Environmental Protection (DEP) to supply water and manage wastewater for New York City residents. It outlines DEP's mission to provide these essential services to 9 million customers. It then summarizes DEP's proposed 7.5% water rate increase for 2012, customer service initiatives like the My DEP online account and paperless billing, capital projects, and efforts to reduce regulatory mandates and costs.
The document provides information about various energy programs offered by CSU Utilities, including requirements and details for:
1. A new home construction rebate program that requires homes be built in CSU's service area and meet insulation and HVAC standards.
2. An HVAC replacement rebate requiring units meet a minimum 15 SEER rating and permits be obtained.
3. An LED bulb rebate crediting $2 per bulb to customer accounts annually on January 1st for receipt-provided purchases.
4. A lighting rebate based on kW reduction for receipt-provided LED upgrades documented in lighting plans.
5. A smart thermostat rebate requiring internet-connected devices be used in standard HV
This business has been accredited by the Better Business Bureau since 2005. It meets BBB standards, which require making a good faith effort to resolve customer complaints. The business's products can help reduce utility bills and increase indoor energy efficiency. Government agencies predict energy usage will increase by 14.65% annually for the next 15 years.
Base load plants provide the baseline energy needs for a utility's entire service area and are major long-term investments. Peak load plants supply additional energy during periods of high demand like hot summer days. Supplemental power plants provide backup power. Utilities face challenges with falling revenue as conservation reduces demand but sunk costs remain, while regulations are shutting down coal plants and increasing scrutiny on nuclear. Renewables and natural gas are costly alternatives that cannot provide baseline power.
East Meets West is a US-based nonprofit that operates in Asia, focusing on education, healthcare, clean water, and infrastructure programs. It has over 110 employees across Asia and an annual revenue of $17 million. Its core work involves long-term community programs, using innovative and scalable solutions to solve problems in a measurable way through strong local partnerships. It implements output-based aid models in Vietnam to improve access to services, using performance-based subsidies and engaging the private sector. Key results include over 50,000 new household connections to water and sanitation facilities.
Eco E offers an energy management service solution with no upfront costs and guaranteed 20% savings on electricity costs. Customers pay a single monthly fee for Eco E to install and monitor an LED lighting system. Eco E is responsible for installation, maintenance, and ensuring ongoing savings over the 5-year agreement. The solution reduces electricity usage and costs while eliminating customer risk and exposure to additional costs.
Emilie is a 26-year-old English teacher who enjoys meeting new people and traveling. She has a 4-year-old son and likes skiing and spending time with her family. Emilie wants to teach English to help people communicate internationally for work, travel, and leisure, and to build confidence in her students. She believes using information and communication technologies can help students communicate outside of class, stay engaged by relating to their interests, and allow her to communicate with parents and connect students internationally.
This document lists the names of various animals including cow, buffalo, goat, hare, dog, cat, horse, pig, camel, donkey, lion, tiger, elephant, bear, kangaroo, monkey, cheetah, fox, giraffe, and zebra to help one learn how to spell and pronounce their names.
The document is an advertisement for massage therapy services provided by Rosalind Taylor, LMT, who has 17 years of experience. She provides various massage disciplines like Swedish, deep tissue, shiatsu, and sports massage. Her goal is to renovate her clients through massage as part of physical rehabilitation or self-improvement. She makes home, hotel, and in-call appointments and provides her contact information.
The document is an advertisement for massage therapy services provided by Rosalind Taylor, LMT, who has 17 years of experience. She provides various massage techniques including Swedish, deep tissue, shiatsu, sports massage, and Reiki. Her massages are performed either at her private practice or through outcalls to homes, hotels, or offices. Her goal is to provide clients with a relaxing and beneficial massage experience.
This document lists the names of various animals to help with spelling and pronunciation, including farm animals like cow, pig, and donkey, big cats like lion and tiger, and other wildlife such as elephant, kangaroo, monkey, cheetah, fox, giraffe, zebra, and wolf.
Energize Ohio Website Overview - OSU ExtensionGreaterCEA
The Energize Ohio website is a collaboration between the Ohio Energy Resources Division, Ohio Department of Development, Green Energy Ohio, and Ohio State University Extension. The purpose of the website is to direct Ohio residents and businesses to energy efficiency and renewable energy solutions by providing access to resources, incentives, and education on best practices through community discussions and links. The website homepage contains a blog, lists incentives by county and utility, and contact information.
Greater Cincinnati Energy Alliance OverviewGreaterCEA
The Greater Cincinnati Energy Alliance is a non-profit organization formed in 2008 that provides energy efficiency and renewable energy services, education, and project management across seven local governments in Ohio and Kentucky. It partners with local foundations, governments, colleges, and utilities to offer residential home energy audits and financing for upgrades, as well as work with non-profit organizations. Contact information is provided for the executive director.
The document discusses an omnichannel customer service solution that allows customers to engage with a company across multiple channels like phone, email, webchat, SMS, and social media. It provides benefits like a consistent customer experience, increased customer loyalty, higher revenues, and improved agent productivity. The solution uses a universal routing engine to seamlessly blend different contact types based on business rules. It also gives agents access to customer data and tools to handle multiple interactions simultaneously.
El documento habla sobre la importancia de la privacidad y la seguridad en línea. Explica que los usuarios deben tomar medidas para proteger su información personal en Internet, como usar contraseñas seguras y actualizadas, y estar atentos al phishing.
Este documento explica los fundamentos de la transmisión de datos, incluyendo las diferencias entre señales analógicas y digitales. Describe cómo los datos, ya sean analógicos o digitales, se convierten primero en señales electromagnéticas para su transmisión. También cubre teoremas matemáticos importantes como las series de Fourier, el teorema de Shannon sobre la capacidad de un canal, y el teorema de muestreo de Nyquist que establece los requisitos de muestreo para digitalizar señales analógicas.
Este documento describe la estructura horizontal y los procesos de mejora continua de la calidad en una dependencia de atención médica. Designa líderes de enfermería y médicos para cada proceso como consultas externas, internación, emergencias, etc. Sus funciones incluyen gestionar la implementación de procedimientos, identificar recursos necesarios, autorizar permisos de personal, implementar acciones correctivas, y garantizar la satisfacción de los usuarios.
This document advertises a lead generation system called Magnetic Sponsoring that claims to help network marketers overcome outdated lead generation techniques like cold calling, pestering friends and family, or buying leads. It states Magnetic Sponsoring creates endless leads and those leads will pay the marketer to prospect them. The document promotes a free video series to learn more about Magnetic Sponsoring by visiting the website provided.
Este documento describe un estudio observacional transversal que tuvo como objetivo determinar la prevalencia de asma y su relación con la contaminación del medio externo en niños de 2 a 5 años en centros de desarrollo infantil privados en Cuenca, Ecuador en 2012. El estudio incluyó 545 niños y utilizó encuestas para diagnosticar asma y evaluar la exposición a contaminantes. Los resultados mostraron una prevalencia de asma del 12,3% y una asociación significativa con antecedentes familiares, pero no se encontró asociación con
This document advertises a lead generation system called Magnetic Sponsoring that claims to help network marketers overcome outdated lead generation techniques like cold calling, pestering friends and family, or buying leads. It states Magnetic Sponsoring creates endless leads and those leads will pay the marketer to prospect them. The document promotes a free video series to learn more about Magnetic Sponsoring by visiting the website provided.
My talk from Database Camp 2016 at the United Nations. I focus on how we can bridge the gap between OLTP and OLAP workloads and discuss a very promising new technology called Apache Kudu.
Michael Bodaken discusses how utility energy efficiency programs underserve multifamily affordable housing. While these programs are growing, targeting over $12 billion by 2020, they focus on single-family homes and commercial buildings rather than multifamily housing's unique needs. The National Housing Trust is working with partners in 5 states to document best practices, identify obstacles, and demonstrate savings potential to deploy more utility funding for multifamily retrofits. Early lessons indicate focusing on energy savings over cost savings, partnering with housing agencies, and tailored programs are needed. Examples from Iowa and New Jersey show partnerships achieving retrofits through enhanced rebates and financing.
Models for Financing Clean Energy- SWEEP 2009HarcourtBrownEF
This document summarizes several models for financing clean energy projects, including on-bill loans, on-bill tariffs, property tax programs, and third-party loans. It provides examples of successful programs in Pennsylvania, Manitoba, Connecticut, Kansas, Berkeley and Boulder. Key considerations for effective financing models include simplicity, sources of low-cost capital, loan terms that minimize monthly payments, managing credit and default risks, and partnering with utilities for on-bill collection where feasible. The most prominent examples highlighted are Pennsylvania's Keystone HELP program and Manitoba Hydro's on-bill loan program.
Financing Policy Webinar with Congressman Israel and Matthew Brown - Matthew ...Alliance To Save Energy
The document discusses various models for financing clean energy projects. It describes programs that provide unsecured loans for home energy upgrades through partnerships with contractors. Larger secured loans may also be available. Loan terms typically range from 2-10 years. Interest rates are usually between 0-8.99% with some programs offering lower rates. Credit enhancements like loss reserves help mitigate risks. Successful programs tend to be simple, accessible through contractors, and have flexible financing options tailored to different project sizes and sectors.
Presentation given by Brian DiGiorgio on the Panel: "After Recycling, Then Watt?" at the Great Valley Center's Sacramento Valley Forum on October 27, 2010 in Chico, CA.
David Meadows of the Ohio Department of Development discusses low-cost loans that support energy efficiency and renewable energy improvements during the AEP Ohio Water/Waste Water Customer Seminar held at Zane State in Zanesville, Ohio.
CEE offers financing to residential property owners for rehabilitation and energy efficiency projects, as well as to commercial property owners for energy related improvements.
The document discusses Property Assessed Clean Energy (PACE) programs, which allow commercial, industrial, and residential property owners to finance energy efficiency and renewable energy improvements through voluntary tax assessments. Local governments establish PACE boards to qualify projects and administer financing from municipal bonds secured by the tax assessments. PACE programs provide long-term financing for improvements, create local jobs, and allow properties to save money through reduced energy costs over time.
The document summarizes efforts by the federal government to promote home energy efficiency retrofits through new programs and initiatives. It outlines new tools like the Home Energy Score to help homeowners understand their home's energy use, the PowerSaver loan program to facilitate affordable financing, and workforce guidelines and training to grow the retrofit industry and increase consumer confidence. The goal is to overcome barriers that have prevented a strong nationwide retrofit market and boost energy savings.
The document discusses various financing options for homeowners to incorporate energy efficiency and design upgrades into existing homes. It outlines programs like FHA 203(k) loans, VA and FHA energy mortgages, and Freddie Mac and Fannie Mae energy programs that can help finance such upgrades. Case studies show how whole-home energy ratings are used to estimate savings from improvements and determine financing eligibility. Flexible terms and cooperation across stakeholders are needed to fully utilize these energy improvement mortgage programs.
Financing Energy Efficiency: Overview and Lessons (Aceee presentation)HarcourtBrownEF
This document discusses financing options for energy efficiency upgrades. It provides details on several successful existing programs, including Keystone HELP which offers unsecured personal loans for energy upgrades at rates from 4.99-6.99%. It also describes Manitoba Hydro's on-bill tariff program which allows customers to finance upgrades through repayments on their energy bill at a subsidized 4% rate. The document emphasizes the importance of simple, streamlined programs delivered through contractor networks in order to scale up energy efficiency investments.
Financing Energy Efficiency: Overview and Lessons- ACEEE presentationHarcourtBrownEF
This document discusses financing options for energy efficiency upgrades. It provides details on several successful existing programs, including Keystone HELP which offers unsecured personal loans for energy upgrades at rates from 4.99-6.99%. It also describes the Manitoba Hydro Power Smart program, one of the most successful on-bill loan programs with over $200 million lent through 50,000 loans at a subsidized 4.9% rate. The document advocates for making financing programs simple and expanding successful existing models.
The document discusses financing options for green home construction projects through the Sustainable Energy Trust (SET) Green Home Improvement Fund. It provides details on loan terms, including more favorable interest rates for projects that incorporate higher levels of energy efficiency or sell homes at more affordable price points. Projects must achieve a minimum 20% improvement in energy efficiency for rehab projects or 10% for new construction to qualify. The fund has $1 million available for primary lending and can provide up to 20% of additional project capital. The presentation solicits feedback on how the Commission could help support solar installation through builder programs.
Qualified Energy Conservation Bonds (Pete)TNenergy
This document provides an overview of Qualified Energy Conservation Bonds (QECB) and how Tennessee's QECB program works. It discusses how QECBs can be used to finance energy efficiency and renewable energy projects at below-market interest rates. It provides examples of projects funded by QECBs and best practices for issuers. Tennessee's QECB allocation process involves initial allocations to large local jurisdictions, with remaining funds reallocated to the state and made available competitively to other eligible entities.
Webinar | Using Fixed Rate Monthly Financing to Increase Close Rates: July 7,...Lindsay Riggs
The National Energy Investment Fund joins us for another presentation on financing tools to help you grow your business. Peter Krajsa, founder of NEIF, discusses consumer financing products that can help you sell more energy efficiency improvements and provide competitive financing to your customers.
The document provides an overview of the PowerSaver loan program, which enables homeowners to borrow up to $25,000 through an FHA-insured loan or unsecured consumer loan of up to $7,500 to finance home energy improvements. It discusses the goals of establishing partnerships between DOE, HUD, and lenders to promote the PowerSaver loans, and capturing lessons learned from the pilot program. The webinar objectives are to provide an overview of the PowerSaver program, describe how financing can help energy efficiency projects, and discuss how DOE program sponsors can partner with PowerSaver lenders.
Qualified Energy Conservation Bonds (Katie)TNenergy
The document provides an overview of Qualified Energy Conservation Bonds (QECBs), including:
- What QECBs are and how they can be used to finance energy conservation projects
- Examples of QECB projects in Tennessee that have funded energy efficiency upgrades in buildings and infrastructure
- Best practices for using performance-based contracting and identifying high-impact, shovel-ready projects
- Details on Tennessee's QECB program allocation process and opportunities for future competitive sub-allocations
This proposal suggests expanding the Pay As You Save (PAYS) financing model to provide $10 billion in financing for distributed clean energy upgrades and resources. PAYS allows utility customers to purchase energy efficiency upgrades and renewable energy systems through a voluntary tariff on their utility bill. There are no upfront costs, ongoing savings are guaranteed, and the obligation transfers with the property. This could expand access to financing for rural and low-income customers in the US and globally, growing clean energy investment from $10 million to $3 billion annually in rural America and over $10 billion total worldwide.
RCTC - Framework For A Journey, Solar ProgramDarrell Talbert
Riverside County Transportation Commission
2009 Edition - Framework for a Journey.
State law created the Riverside County Transportation Commission (RCTC) in 1976 to oversee funding and coordination of all public transportation services within Riverside County. RCTC serves as the tax
authority and implementation agency for Measure A, a voter-approved 1/2 cent sales tax,
The document discusses green retrofitting of existing multifamily affordable housing properties. It outlines the benefits of green retrofits for property owners, residents, lenders and investors. Some challenges to green retrofits include imperfect information, a lack of comprehensive protocols and limited financing options. The Enterprise Green Communities initiative aims to green all affordable housing within a decade through capacity building, energy audits, and new financing products like add-on loans and bridge loans to fund retrofit projects. Examples of pilots in San Francisco and Ohio that provide loan funds and credit enhancements for green retrofits are also mentioned.
This program was rolled out in September of 2009 and is expected to help homeowners, banks and energy efficient contractors to benefit in Ohio’s new Green Economy. The program provides an incentive for homeowners to complete energy efficient projects in their homes. The program does this by reducing the interest rate on qualifying bank loans by 3% for a five year loan when they complete weatherization projects or install Energy Star rated products in their homes.
Here is how homeowners can participate Single family homes include condos, however the program is not open to landlords Qualifying bank loans at this time refers to home equity loans (rates are 6-9%) and unsecured installment loans (rates 7-10%) BPI and RESNET are the industry standard certifying organizations Homeowners who purchase Energy Star appliances with loan funding are eligible. We anticipate these purchases to being made as part of a larger project Renewable Energy products such as solar panels, wind turbines, and geothermal heat pumps are also eligible for the program
The process for participating in the ECO-Link program is easy and can be done in the following steps. First a homeowner approaches one of our partner banks to receive pre-approval for a qualifying loan. Next the homeowner contacts a home energy auditor or an energy efficient installer to receive a quote for the estimated cost of the project. Then the homeowner and lender submit the audit or quote and an ECO-Link application to the Treasury where it will be reviewed to ensure that it meets the requirements of the program. The treasury then notifies the lender the final verdict on the application In the fifth step the homeowner works with the contractor to complete the energy efficient improvements Once complete the Treasury will place a CD with the bank who will in turn, lower the homeowner interest rate by 3% over the life of the 5 or 7 year loan. Homeowner has the option of a 5 or 7 year term if the loan amount is greater than $25,000. Once complete the homeowner will submit a certificate of project completion to the lender. If the homeowner is only purchasing a Energy Star product (i.e. a furnace) they only need to submit their receipt for the product and the Energy Star manufacturer certificate to their lender as proof of the purchase
For Homeowners, the major benefits of the EC0-Link program are: It allows homeowners to finance the cost of projects at a rate of 3% below the market rate for a period of 5 years The average Ohio homeowner spends between $200-$300 per month on standard utility bills, and weatherization projects in homes with energy efficient products save between 10-30% on these types of bills. And lastly, many of the energy efficient improvements are eligible for federal tax credits and additional rebates. The Federal tax credits are for 30% of the project costs up to $1,500 on qualifying Energy Star products. Renewable projects like solar panels, wind turbines, and geothermal heat pumps receive a 30% tax credit on the total cost. In addition to this, many utilities companies offer rebates on energy efficient products which can be used in conjunction with ECO-Link.
Now in order for banks to participate in the program, they must meet the following requirements: The Bank must be a qualifying state depository bank, this means that credit unions are not able to participate in the program The bank must provide a 3% interest rate reduction for 5 years on qualifying loans. The maximum loan amount that we will decreases interest rates for is $25,000 There is no minimum loan amount; however some of the banks have set a floor at $3000 on project loan amounts Typically, lines of credit are not eligible for the rate reduction. One exception is US Bank which has a Home Equity line of credit, and that is because this product has a fixed interest rate. Loan interest rates must be fixed for the life of the loan Rate charged on each CD is 0.15%
Here is a list of our current bank partners.
In addition to homeowners and banks, home energy auditors and contractors play a vital role to the success of ECO-Link. We benefit from knowledgeable contractors who are able to present the ECO-Link program to their customers as a means to assist in the financing of their energy efficient projects. The contractors benefit by having another tool in their arsenal to incentivize homeowners to complete energy efficient projects and this increases their customer base. Contractors can join our list of certified home raters by submitting their BPI or RESNET certification to the email address behind me. Now, just for clarity’s sake, contractors do not have to have this certification to participate in the ECO-Link program. They only need the certification to perform a home energy audit or rating, it is not needed for installments of energy efficient projects such as windows, doors, & solar panels.
Here is a list of the products that are eligible for tax credits from the Federal Government.