Payment Options

Ways to Pay

Option 1:  Cash

Buy the upgrades outright and you get all the savings.  We cover installation, warranties and applicable energy monitoring.   You manage available tax credits or rebates.

Option 2:  Loan

Invest in the cost of the system and save over time. With a $0-down payment, simply pay for your upgrades every month at a low, fixed cost. We cover installation, warranties and applicable energy monitoring.

Note: Some government backed loans, such as PACE, are off balance sheet but may still affect your credit.  PACE loans can provide up to 10% of the appraised property’s value in funding and “green” upgrades.  When you sell the property, remaining finance payments are added to the property tax (and no longer your responsibility).

Option 3:  Lease

Get a low, fixed monthly payment with predictable costs and consistent savings. Choose to prepay your lease partially, or in full for added savings. We cover installation, warranties and energy monitoring.

Option 4:  As a Service

Get a low, fixed monthly payment with predictable costs and consistent savings.  We cover installation, warranties and system monitoring. Options include: energy, power, lighting, comfort or comprehensive energy savings as a service.

Notes:

  1. For smaller projects, limited to certain (utility-promoted) lighting and controls technologies, utility bill financing may be offered.
  2. For select energy supply projects, a power purchase agreement (PPA) may be offered.
  3. For larger infrastructure or civic programs, Certificates of Participation (COPs), Sale Leaseback agreements or other finance agreements may be offered.
CASH LOAN LEASE AS A SERVICE
Down Payment Full $0-partial $0-partial $0 Down
Ownership You Lender 3rd Party 3fficient
Tax Credit(s) You You NA NA
Monthly Payments None Fixed* Low, Fixed* Low, Fixed*
Performance Guarantee optional optional optional included
Energy Management with Fácil optional optional included included
Maintenance optional optional included included
Warranty limited limited included included
Payment Term Paid in full 5, 10 or 20 years 5, 10 or 20 years 5, 10 or 20 years
Off Balance Sheet no no no yes

*3rd party loans are arranged between owner and lender. Term may vary.  Lease and “as a Service” payments are fixed and may have low annual escalation, between 0-2.9%. Custom terms may be available upon request.  3fficient services include integrating available grants, incentives and rebates where feasible.

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