National Energy Improvement Fund

Financing the Transition to Energy Efficient and Resilient Buildings

About the National Energy Improvement Fund

With a lending legacy dating to 1947 (AFC First), NEIF is led by an accomplished and experienced team of energy and resiliency financing experts. Learn more about our management team here.


Peter, Matthew and Laura founded NEIF (pronounced with the letters N -E-I-F) to be a for-profit lending company with a single minded mission to mobilize and deploy capital to address the climate challenge.  NEIF is a mission-focused company.  But NEIF’s leadership and staff are focused on completing that mission in some pragmatic ways. 

NEIF's Pragmatic Approach

  • We are committed to supporting the full financial ecosystem of energy efficiency and resiliency finance.
    • We lend to commercial and residential borrowers.
    • We support the equipment installers and suppliers with advance funding.
    • We support and partner with utilities, green banks and green energy funds to help them deploy capital and combine their capital with capital from banks and other investors.
    • We operate state-of-the-art financing portals to achieve these goals.
    • We incorporate insurance options in the Southeastern United States that support customers making investments in resiliency.   
  • We are a fully licensed and compliant financial institution operating under multiple state and federal authorities.
  • We produce annual, audited financial statements and are under direct supervision of the PA Department of Banking.

We can do this because we have experience.  The team as a whole has originated over $800 million in energy related transactions with industry-leading credit performance.                 

Residential Improvement by Type

We operate finance programs under agreements with the following partners.

  • Duke Energy (small commercial programs)
  • Efficiency Maine (Residential and Commercial finance programs).
  • Eversource Energy (in Connecticut, Massachusetts and New Hampshire)
  • MCE (Marin Clean Energy) energy storage program
  • Pacific Gas & Electric (hospital and high tech industries program)
  • Philadelphia Energy Authority solar program
  • Sacramento Municipal Utility District
  • SoCalREN (LA County multi-family finance program)
  • Xcel Energy (commercial programs)