FlexMarket Zero Interest Loan

0% interest, 2-year financing for qualifying California residents making eligible energy efficient home improvements.

Discover Energy Efficiency Project Financing!

In coordination with Franklin Energy, NEIF offers 0% financing to eligible Franklin Energy borrowers for qualifying home improvements. Continue reading to learn more about this affordable loan.

What Improvements Qualify?

  • Comfort Package, Single Story
  • Comfort Package, Two Story
  • HVAC Fuel Swap to Heat Pump
  • Ductless Mini-Split Heat Pump
  • Heat Pump Water Heater

Low Guaranteed Monthly Payments

Low Guaranteed Monthly Payments

Who is Eligible?​

  • The FlexMarket Zero Interest Loan program provides affordable 0% financing to California residents making eligible energy efficient home improvements. Projects must be vetted by Franklin Energy.
  • Customers will need to submit gas and electric SAID numbers to apply.
  • 1 to 4-unit primary or secondary (vacation) home – deeded properties and co-operative housing communities
  • Owner-occupied, no investment properties*
    • *Properties owned by a Trust are not eligible
  • Must be affixed to a permanent foundation
  • Unsecured loans — property type is for qualification only — no lien is filed
  • Improvements must be installed by a NEIF-Approved Contractor


For additional details on eligibility and improvements, click here

Three Simple Steps

1. Get an Estimate
Contact a NEIF-Approved Contractor to get an estimate for qualifying improvements.

2. Fast Approval

Find a NEIF-Approved Contractor and apply via their application link for an instant credit decision. If you don’t have a contractor selected, apply online directly for a no-obligation credit pre-approval.

3. Installation & Payment to Contractor

Your contractor will send us a copy of your estimate/proposal identifying final price and qualifying improvements. You will receive electronic loan documents for your signature. NEIF pays the contractor when the work is completed to your satisfaction.

National Energy Improvement Fund Approved Contractor Seal

NEIF-Approved Contractor

Contractors who have earned the NEIF Seal of Approval are qualified, leading contractors of all sizes authorized to offer NEIF’s trusted, affordable monthly payment plans for energy and resilience upgrades.

They have met NEIF standards for commitment to quality work and customer service, financial stability and personal integrity and leverage our technology, expertise and relationships to broaden their markets in HVAC, Roofing, Remodeling, Lighting, and most energy improvements

If you are not already a NEIF-Approved Contractor, Apply Here!


Contractor Resources

Marketing Tools and resources for contractors.

Customer Resources

Resources for eligible applicants and Franklin Energy customers.

Contractor Overview

Program overview for your sales team and staff.


Program Brochure
Contractor Resources
Contractor Program Fact Sheet