Retrofit Accelerator with On-Bill Financing

Create a one-stop-shop retrofit service that bundles energy audits, contractor matching, and financing into a single program. The key innovation is on-bill financing: retrofit costs are repaid through the energy bill, so landlords face no upfront cost and the charge transfers with the property, not the owner. This solves the split incentive problem that blocks most building upgrades. Energiesprong in the Netherlands has demonstrated net-zero retrofits completed in under two weeks per dwelling using this model.