South Jersey Gas C&I Financing Programs

On Bill Repayment Features | Programs Available | How to Apply

South Jersey Gas has received New Jersey Board of Public Utilities approval to continue an initiative established in 2009 to encourage energy efficiency. This program offers South Jersey Gas' commercial customers the opportunity to reduce their energy consumption through complementary financing offers for qualified customers. Zero percent interest on bill repayment programs are available to help install the recommended eligible measures.

On Bill Repayment Features

Key features of an EFS On Bill Repayment:

  • Commercial properties
  • Unsecured On Bill Repayment
  • Borrowers can finance $2,500 - $250,000*
  • Fixed rate of 0%
  • No fees, points, or closing costs
  • No prepayment penalty

*On Bill Repayment amount eligibility will depend on program. Check with your contractor with additional questions.

Programs Available

The following programs are currently available through South Jersey Gas:

  Direct Install Prescriptive and Custom
Maximum Loan Amount: $130,000 $150K on Prescriptive. $250K on Custom
Maximum Loan Term: 5 years
Program Eligibility: Please contact the South Jersey Gas Commercial team at 1-888-263-7372 or by email at for a measure eligibility.
Financing Requirements:

An active and current gas utility account that meets the program specific requirements regarding the repayment of your gas utility bill.

Each person with an ownership interest of 10 percent or more in the business entity will be required to provide a personal guarantee. These persons shall be jointly and severally responsible for the repayment of funds through the South Jersey Gas (SJG) On-Bill Repayment Program and will be required to sign a promissory note requiring repayment.

Contact EFS at 1.888.264.4367 or by email at for questions around on-bill financing requirements.

Contractor Requirements: The contractor who performs your efficient products installation must be a participating South Jersey Gas contractor. You may search for a participating contractor by county or installation type under Contractor Search at

How to Apply

A) Apply online

Applying online is the fastest way to receive a decision. Click on the link below to submit an electronic application:

Online credit application

B) Print the application

Click here to download the credit application. Please note the credit application is not a contract for an on-bill repayment nor does it lock you into any commitment with a contractor. The credit application will allow us to proceed with your request to finance your improvements through the on-bill repayment program.

Submit to:
Energy Finance Solutions
431 Charmany Drive
Madison, WI 53719
Fax: 608.249.5788