Financing Policy Webinar with Congressman Israel and Matthew Brown - Matthew Brown

Models for Financing Clean Energy Matthew H. Brown ConoverBrown LLC [email_address] 720 246 8847

ConoverBrown LLC ,[object Object],[object Object],[object Object],[object Object]

The Goal of Many New Financing Programs is to: ,[object Object],[object Object],[object Object],[object Object],[object Object]

How much do most people really care their energy bill? ,[object Object]

Considerations for Successful Financing ,[object Object],[object Object],[object Object],[object Object]

Considerations for Successful Financing ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

Outline ,[object Object],[object Object]

Typical Projects ,[object Object],[object Object],[object Object],[object Object]

How are programs marketed? ,[object Object],[object Object],[object Object],[object Object],[object Object]

Role of Contractors in Financing ,[object Object],[object Object],[object Object],[object Object],[object Object]

Typical Value of Retrofits ,[object Object],[object Object],[object Object],[object Object],[object Object]

Typical Value of Retrofits ,[object Object],[object Object],[object Object]

Customer Contacts Contractor and Arranges for Work Performance Customer Fills Out Loan Application Provided by Contractor Lender Processes Loan App Lender Rejects App Loan Approved Contractor Completes Work and Subject to Approval by Customer/Utility, Is Approved for Payment Lender Pays Contractor Utility Places Principal & Interest Charge on Utility Bill Utility Pays Lender Upon Receipt 3 rd Party Escrows Loss Reserve In Case of Default, 3 rd Party Pays Lender According to Loss Reserve Terms A Conceptual Model Under Discussion Lender Bills Borrower for Principal & Interest Customer Pays Lender

Customer Contacts Contractor and Arranges for Work Performance Customer Fills Out Loan Application Provided by Contractor Lender Processes Loan App Lender Rejects App Loan Approved Contractor Completes Work and Subject to Approval by Customer/Utility, Is Approved for Payment Lender Pays Contractor Utility Places Principal & Interest Charge on Utility Bill Utility Pays Lender Upon Receipt 3 rd Party Escrows Loss Reserve In Case of Default, 3 rd Party Pays Lender According to Loss Reserve Terms A Conceptual Model Under Discussion: 2ndary Market Lender Bills Borrower for Principal & Interest Customer Pays Lender Lender sells loan to secondary market investor Loan Servicer Bills Customer Customer Pays Servicer In Case of Default, 3 rd Party Pays Investor According to Loss Reserve Terms

Typical Loan Terms ,[object Object],[object Object],[object Object],[object Object],[object Object]

Influence of Loan Term on Payments

Examples of Loan Term ,[object Object],[object Object],[object Object]

Security and Collateral ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

Security and Collateral ,[object Object],[object Object]

Interest Rates ,[object Object],[object Object],[object Object],[object Object],[object Object]

Loan Servicing ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

Origination and Underwriting ,[object Object],[object Object],[object Object],[object Object]

Credit Enhancements ,[object Object],[object Object],[object Object],[object Object],[object Object]

Companion Bill Example ,[object Object]

Pennsylvania: 3rd Party Lender ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

Pennsylvania: 3rd Party Lender ,[object Object],[object Object],[object Object],Whole-House 10% Windows/Insulation 30% HVAC 60%

Manitoba Hydro: On-Bill Loan ,[object Object],[object Object],[object Object],[object Object],[object Object]

Manitoba Hydro: On-Bill Loan ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

Connecticut: On-bill loan ,[object Object],[object Object],[object Object],[object Object]

Financing Policy Webinar with Congressman Israel and Matthew Brown - Matthew Brown

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Financing Policy Webinar with Congressman Israel and Matthew Brown - Matthew Brown