In this presentation, the instructors Peter Adamczyk and Dennis O’Connor will discuss why financing is necessary, but not sufficient for enabling energy efficiency on a massive scale. They will also explore why most financing offers to date have not succeeded in significantly increasing efficiency investments or efficiency program participation. They will present new approaches, including utility on-bill financing, PACE, and others and how barriers to these new approaches can be overcome. The presenters will also showcase how one utility has successfully used on-bill financing for small commercial customers.