State and Local Energy Efficiency Action Network, DOE/EE-1100, May 2014.
http://www1.eere.energy.gov/seeaction/pdfs/onbill_financing.pdf

"Enabling consumers to finance energy improvements on their utility bills is one of several potentially valuable tools for expanding consumer access to attractive capital. While financing may be an attractive tool for increasing program leverage and mitigating the rate impacts of utility consumer-funded efficiency programs, administrators can face difficult choices between allocating funds to financing or to other approaches designed to overcome a broader set of barriers to consumer investment in energy efficiency. This report focuses on key program design considerations for policymakers and program administrators."