U.S. Department of Energy Energy Efficiency and Renewable Energy

Assessing the Partnership and Stakeholder Landscape

The success of a clean energy loan program depends on many organizations and stakeholders that do not necessarily handle funds directly. Even financial institutions not directly involved in the financing process may have important information that can influence the design of the program. The table below lists some of the different actors, their potential role in or impact on an energy loan program, and, if appropriate, the types of information that grantees can gather from them to help design the program and craft beneficial partnerships.

Organization/ActorPotential Role (Responsibilities) or ImpactInformation from Actors to Inform the Energy Loan Program & Develop Working Partnerships

Financial Institutions, such as national and community banks, credit unions, community development financial institutions

  • Program administrator
  • Loan servicer
  • Source of capital
  • Loan underwriter
  • Warehouser of loans prior to securitizing loans
  • Existing energy loan programs
  • Existing loan programs
  • Level of interest in providing new loans
  • Community development goals or objectives

State Legislatures

  • Sources of loan capital or credit enhancement capital, through appropriations of funds
  • Sources of ongoing operational funds
  • Approval of enabling legislation for public utility commissions (PUCs) to allow funding for financing programs
  • Approval of legislation to require utilities to develop financing programs
  • Approval of other policies to encourage development of energy efficiency (EE) or renewable energy (RE) technology (energy efficiency resource standards, public benefit funds, tax incentives, etc.) 
  • Current energy-related legislative initiatives
  • Identification of energy advocates

State-Chartered Bonding Authorities

  • Program administration in some cases, meaning that bonding authorities may be able to originate loans and service loans 
  • Sources of capital
  • Program marketing, especially to low-income households
  • Existing, experienced bonding authority
  • Interest in playing expanded role in EE and RE

State Public Utility Commissions (PUCs)

  • Authorization or requirements for regulated utilities to develop and run financing programs
  • Approval of utility EE or RE  resource standards
  • Approval of rate structures that encourage EE or RE 
  • Approval of utility-operated clean energy rebate or grant programs that may reduce loan amounts
  • Interest in/support for pushing energy efficiency as part of Renewable Portfolio Standards (RPS)

Sustainable Energy Associations/Coalitions

  • Marketing
  • Political support
  • Input into program design
  • Capacity for and interest in supporting a loan program

Local Government Professional Staff (planners,  building inspectors, economic development experts, attorneys)

  • Program design
  • Program administration
  • Conducting audits before and after upgrades
  • Capacity, expertise, and interest of staff

Local Government Elected Officials

  • Local funding (capital and administration)
  • Support for continued funding after grants are expended

Utilities (water, wastewater, electricity, solid waste)

  • Payment collection in cases of on-bill repayment structures
  • Rebates for energy efficiency retrofits
  • Conducting audits before and after upgrades
  • Interest in collecting loan payments via utility bill
  • Legal authority to collect energy loan payments and to take action for nonpayment
  • Existing energy efficiency programs
  • Willingness to provide usage data

Other Advocacy Associations and Organizations (environmental organizations, contractor associations, etc.)

  • Marketing to constituency
  • Additional contacts to help develop program (e.g., bank or contractor contacts)
  • Political support/opposition
  • Identification of energy advocates with a vested interest in an energy loan program
  • Willingness to support program

Existing Weatherization Organizations

  • Development of retrofit standards and programs
  • Support for new retrofit program
  • Information on how existing programs complement, integrate with, or compete with new loan programs.

Vendors (Lowes, Home Depot, locally owned retail and wholesale suppliers)

  • Marketing and consumer education
  • Installation support
  • Possible source of loan loss reserves
  • Interest is participating in program


  • Program marketing
  • Measure installation
  • (Auditors/Others) Quality inspection at completion of work and certifying eligibility for payment
  • Interest in participating in program
  • Current financing programs

Nonbank Investors

  • Sources of capital
  • Secondary loan underwriter
  • Investment goals and objectives, which may align with new energy loan programs

Technical Colleges

  • Workforce development and training
  • Existing training programs
  • Interest in new training programs

Regional Planning Organizations

  • Program administrator
  • Convener of local governments
  • Capacity to assist programs

Nonprofit Organizations

  • Program administrator
  • Marketing
  • Additional organizations likely to be interested in energy loan programs