Financing that makes efficiency programs work for everyone
A platform capability, not a lending product. Embedded at checkout, off your balance sheet, designed to turn equity goals into measurable participation.Rebates lower the price.
Financing drives participation.
For programs navigating equity mandates, that distinction is everything.
Not a separate equity program. Financing at checkout broadens participation naturally when the process is simple and accessible.
CPUC GoGreen Home impact evaluation, 2024
Installment loans spread cost over a real term, where credit cards, BNPL and store financing do not — the difference between qualifying and walking away.
“Affordable monthly payments” — from Enervee post-purchase survey data.
Built for participation,
not profit
For most retailers, financing is a profit center — which means high rates, tight credit requirements, and deferred-interest traps. Eco Financing isn't a profit center. It's built into the platform to remove barriers to program participation.
Designed to generate profit
- High APRs drive margin for the retailer
- Tight credit requirements protect profit
- Deferred-interest promotions with back-end penalties
- Short terms push payments higher
- Incentives favor the sale, not the customer
Designed to remove barriers
- Affordable rates, institutional pricing
- Accessible credit to broaden participation
- True installment loans — no deferred-interest traps
- Extended terms to keep monthly payments low
- Aligned with your program’s equity and participation goals
A platform capability,
not a lending product
Eco Financing is a feature of the Enervee Marketplace Platform. Embedded at checkout, underwritten by institutional partners, off your balance sheet.
Embedded at checkout
Customers see monthly payment options alongside their cart total. No redirect. No separate application. Financing is part of the buying experience.
Off your balance sheet
Loans are underwritten and serviced by trusted institutional lending partners. No on-book credit exposure, no capital requirements, no servicing burden for your program.
True consumer loans
Installment loans with fixed monthly payments — purpose-built for larger purchases and longer terms than credit cards, BNPL, or store financing.
Accessible and fair
Risk-based pricing designed to reach the customers traditional retail financing misses. Pre-qualification with no impact to credit score.
Lower cost. Better terms.
Designed for the customer.
True consumer loans outperform every alternative — for the customer and for the program.
Retail financing is built to maximize profit. Eco Financing is built to maximize participation. The difference shows up in every line below.
The numbers that matter
to regulators
Eco Financing isn’t a standalone product. It’s the conversion driver inside your marketplace program.
Against 35% of New Yorkers living in them. For programs navigating equity mandates and DAC goals, that is a measured lift — not a talking point.
NYSERDA NY Marketplace final report
Customers with financing choose higher-efficiency products that deliver more kWh and therm savings per transaction.
The other four in five would have bought less efficient, or not at all. This is the clearest available statement of what financing adds.
NYSERDA NY Marketplace final report
Add financing to your program
Embedded at checkout. Off your balance sheet. Talk to us about Eco Financing for your utility or state program.
Eco Financing by Enervee
Consumer financing for energy-efficient appliances, embedded at checkout on participating utility marketplaces.
New to Eco Financing?
Eco Financing is available at checkout on participating utility marketplaces. Find your local marketplace to browse efficient products and see available financing options.
Find your marketplace →Existing borrower?
Access statements, make payments, and get support from your loan servicer.
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