On-Bill Repayment Program

What is On-Bill Repayment?

On-Bill repayment (OBR) is a mechanism by which a resident or business owner may elect to install certain energy upgrades to their property at no upfront cost and repay the cost of the measure and installation via a voluntary line-item on their monthly utility bill. The term “repayment” included in OBR denotes the fact that a third party, in this case CCEF, provides the upfront funding for the installation.

Your local electric utility will bill customers on a monthly basis to recover CCEF’s costs over an agreed-upon timeframe. In many cases the energy savings achieved through the newly installed measures is greater than the monthly repayment obligation, thereby saving customers money on their utility bill every month.

CCEF proudly administers two distinct on-bill repayment programs designed to help you finance energy upgrades: ClearPath On-Bill and Electrify and Save. Depending on your location and provider, your utility company may partner with us to offer one of these specialized pathways. Please review the participating utilities below to see if your utility provider is a participant in either the ClearPath On-Bill or Electrify and Save program.

On-Bill In Action

Learn about how On-Bill Repayment works by checking out our OBR Project Spotlights.

View Project Spotlights

For specific program details, please click on your utility company below:

Amount:Up to $75,000 per meter

Term:Up to 10 years; no money down

Rate:Range between 4–5%; Won’t exceed 5%

Repayment:Monthly payments on your utility bill; no prepayment penalties

Security:Land Records Notice filed with the county; no lien placed on property

Complete an Interest Form > Eligible Measures > Program Documents >

Amount:Up to $75,000 per meter

Term:Up to 10 years; no money down

Rate:Range between 4–5%; Won’t exceed 5%

Repayment:Monthly payments on your utility bill; no prepayment penalties

Security:Land Records Notice filed with the county; no lien placed on property

Complete an Interest Form Eligible Measures Program Documents

Amount:Up to $75,000 per meter

Term:Up to 10 years; no money down

Rate:Range between 4–5%; Won’t exceed 5%

Repayment:Monthly payments on your utility bill; no prepayment penalties

Security:Land Records Notice filed with the county; no lien placed on property

Complete an Interest Form > Eligible Measures > Program Documents >

Amount:Up to $75,000 per meter

Term:Up to 10 years; no money down

Rate:Range between 4–5%; Won’t exceed 5%

Repayment:Monthly payments on your utility bill; no prepayment penalties

Security:Land Records Notice filed with the county; no lien placed on property

Complete an Interest Form > Eligible Measures > Program Documents >

Amount:Up to $75,000 per meter

Term:Up to 10 years; no money down

Rate:Range between 4–5%; Won’t exceed 5%

Repayment:Monthly payments on your utility bill; no prepayment penalties

Security:Land Records Notice filed with the county; no lien placed on property

Complete an Interest Form > Eligible Measures > Program Documents >

Amount:Up to $75,000 per meter

Term:Up to 10 years; no money down

Rate:Range between 4–5%; Won’t exceed 5%

Repayment:Monthly payments on your utility bill; no prepayment penalties

Security:Land Records Notice filed with the county; no lien placed on property

Complete an Interest Form > Eligible Measures > Program Documents >

Amount:Up to $75,000 per meter

Term:Up to 10 years; no money down

Rate:Range between 4–5%; Won’t exceed 5%

Repayment:Monthly payments on your utility bill; no prepayment penalties

Security:Land Records Notice filed with the county; no lien placed on property

Complete an Interest Form > Eligible Measures > Program Documents >

Amount:Up to $75,000 per meter

Term:Up to 10 years; no money down

Rate:Range between 4–5%; Won’t exceed 5%

Repayment:Monthly payments on your utility bill; no prepayment penalties

Check out exclusive rebates for your project. Contact your contractor to learn more.

Complete an Interest Form > Eligible Measures > Program Documents >

Amount:Up to $50,000 per meter

Term:Up to 10 years; no money down

Rate:Range between 4.5-5.49%

Fee:2% Origination

Repayment:Monthly payments on your utility bill; no prepayment penalties

Security:Land Records Notice filed with the county; no lien placed on property

Complete an Interest Form > Eligible Measures > Program Documents >

Contractor Leaderboard
Electrify and Save Top Performers of Q4 2025

Ranking	Contractor Company
1	Mountain View Pella & Zero Homes
2	N/A
3	Sunrise Insulation

Moving forward, in the event of a tie on the leaderboard, rankings will be determined by total projects financed dollar amount.

Immediately enjoy your new home energy improvements!

On-Bill Program Contractors On-Bill Contractors

Begin easy, monthly payments on your utility bill for your new home energy upgrades (no add'l payment method or new account needed; it's all on one bill!)

Sign On-Bill Program Agreement & CCEF makes payment to your Contractor

Contractor Installs On-Bill Eligible Energy Measures

Complete the On-Bill Application through your Contractor

Find an On-Bill Authorized Contractor

Ready to start?
Follow these steps

Your proposed project must have a Scope of Work from a contractor authorized in the program and the measures must be on the eligible measures list.

Do I Qualify?

You must meet the bill-pay history criteria of the program: no shutoff notices for the previous 12 consecutive months and no late penalties for the previous 6 consecutive months. A staff member for the program will reach out to your utility to confirm this.

You must be named on the account and receive electric service from a participating co-op (see list of program partners above)

Before You Apply! Check Out These Resources…

There are a multitude of additional resources and incentives available to assist in paying for qualified electrification and energy efficiency measures. Some are income-based, so be sure to check out the AMI calculators below to determine your income threshold!

Clean Energy Incentives	Energy Assistance/Affordability Programs
Colorado State Program Colorado's Affordable Residential Energy (CARE) Colorado's Heat Pump Tax Credit Colorado Weatherization Assistance Program Federal Programs DOE Energy Savings Hub	Colorado Low-Income Energy Assistance Program (LEAP) Energy Outreach Colorado

Clean Energy Incentives

Energy Assistance/Affordability Programs

Colorado State Program

Federal Programs

DOE Energy Savings Hub

Frequently Asked Questions (FAQs)

What is the On-Bill Repayment (OBR) program?

On‑bill repayment (OBR) allows homeowners or business owners to install energy efficiency upgrades—such as heat pumps, insulation, and more—without upfront costs. Instead, the cost is repaid over time via a voluntary line item added to your monthly utility bill. CCEF provides the funding upfront, and your local utility collects repayments.

Who owns the energy measures if they haven’t been fully paid off?

You (the property owner) do! A benefit of on-bill repayment is that the measure becomes yours at the time of installation, even though the upfront cost is covered by another entity (in this case, CCEF). The ownership only changes if/when you sell your house to a new owner.

What happens if I move?

If you move before fully paying off the measures, the repayment obligation remains with the electricity meter at the property. The new homeowner assumes the responsibility when the electricity service transfers. However, you’re required to disclose this obligation to potential buyers. Some homeowners choose to pay off the charges in full before selling to simplify the process.

Can I pay for my energy measures early?

Absolutely! If you’d like to pay off the repayment early, you’re welcome to do so with no penalties.

What happens if I miss a payment?

Since OBR charges are part of your utility bill, they are subject to the same collection policies as your electricity charges. If a payment is missed, your utility may initiate collections or even disconnect service following standard procedures.

What can I finance through the OBR program?

Eligible measures include—but are not limited to—air sealing & insulation, heat pumps (air-source and ground-source), electric water heating, and windows & doors.

How do I apply for the OBR program?

1. Work with an OBR-authorized contractor to develop a Scope of Work.

2. The contractor submits your application via the CCEF fintech portal.

3. Once approved, the contractor installs the energy measures.

4. CCEF covers the upfront cost, and your utility adds the repayment charge to your monthly bill.

What eligibility criteria apply?

To participate, you must:

Live in a participating utility territory – see participating utilities on our On-Bill Page above.
Be named on the utility account and the owner of the home.
Have no shutoff notices in the past 12 months and no late penalties in the past 6 months.

Are there rebates available with OBR financing?

Yes. If rebates are available at the time of installation, they can be applied to reduce the total financed amount.

Who do I contact for questions about billing or the program?

For questions about your project, the program, or general inquiries, please contact CCEF at the following.

Email: [email protected]
Phone: (720) 263-2313

On-Bill Repayment Program

What is On-Bill Repayment?

On-Bill In Action

For specific program details, please click on your utility company below:

Contractor Leaderboard Electrify and Save Top Performers of Q4 2025

Moving forward, in the event of a tie on the leaderboard, rankings will be determined by total projects financed dollar amount.

Before You Apply! Check Out These Resources…

Frequently Asked Questions (FAQs)

Contractor Leaderboard
Electrify and Save Top Performers of Q4 2025