Find out all you need to know about HBC Energy Capital.
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What is HBC Energy Capital all about? This one-pager defines our service, and our process for new prospective clients.
A resource for working with HBC Energy Capital to sell your project. Includes an overview of how to get a financing estimate for your customer’s project, how to discuss financing with your clients, a process overview and more.
HBC Energy Capital works with a suite of finance products we call our “finance toolkit.” We use equipment leases, tax exempt leases, service agreements, and PACE to make your project possible. Our experience and years of specializing in clean energy finance program development and policy work mean we have an unparalleled understanding of what works in the marketplace and what it takes to get your project done.
Every clean energy project is unique. From the borrower’s financial status to the types of upgrades being installed, finding the right financing is not a one-size-fits-all effort.
At HBC Energy Capital, we work across multiple clean energy finance structures to ensure we have the right tools to fund and implement your project. If our existing tools don’t exactly match your project needs, let us customize a product just for you.
Each of the products in our toolkit has multiple lenders behind it. We hand-select the right lender based on specifics of each project, resulting in a completely customized financial bid every time. Click through the following tabs to see the financial products HBC Energy Capital keeps in our finance toolkit.
HBC Energy Capital connects businesses with easy equipment lease financing solutions. Flexible finance and approvals for all business types and situations at great rates. Equipment leases are our most popular, and fastest-to-close option.
HBC Energy Capital offers Energy Service Agreements (ESA’s) and Stand-Behind ESA’s. These financing tools let your customers pay for capital improvements out of energy savings—without taking on new debt to do so. They are more complex than commercial lease financing, so contact us to find out if an ESA is appropriate for your needs.
HBC Energy Capital can tell you if your project might qualify for a new financing structure, PACE, that allows for up to 20 year financing, with all repayments made through your customer’s property tax bill. This financing is great for big projects like large office buildings, shopping malls, warehouses and similar facilities.
HBC Energy Capital can help states and local government entities find low-rate lease financing for energy efficiency.
The challenge. The results. The economics. Don’t just take it from us—our case studies walk you through real life, real client examples of our process in action. Learn about how HBC Energy Capital has helped optimize close rates, up-front costs, and interest rates for clean energy project customers and contractors.
Check out our case studies page for more information.
HBC Energy Capital was assigned to secure financing for a brand new lighting industry business, AZ Insulation. We designed a deal to beat their expert competitors and satisfy their customer with very low interest rates and no up-front costs.
“People don’t believe it,” explains Ian Osborn, owner of Wild Ideas Light Company. “They look at the numbers and think they can’t be true. But we can give them better light, a brighter environment, an Xcel Energy rebate, and cut their energy use in half.”
A: We are open to working with all clients who need help financing a project. Typically, HBC Energy Capital’s clients fall into 1 of 4 main categories:
A: HB&C is not a capital provider but rather acts as a broker to select the most appropriate financing instrument for your project. Using our three-step process, we will match your project to the right financing and facilitate the application process. We then bring you or your client a customized and approved offer, and then support you with sales assistance, education, and communication across all involved parties until the deal closes.
A: Similar to buying a house, the ins and outs of financing an energy project quickly become complicated when you dive in. Our sister company, HB&C has been a leading consultant in this niche industry for many years, and we understand how to maximize returns and structure the financing to best meet the needs of the project. Among energy service agreements, Property Assessed Clean Energy, equipment leases and municipal tax exempt financing, we not only understand what works best for your project, but we can procure the offer, assist in application and work to ensure that lack of capital isn’t a barrier to getting the project completed.
A: Although many commercial entities already have good relationships with their bank, bank loans often require down payments and security (other than the equipment) making them, in most cases, sub-optimal financing instruments for most energy projects. HBC Energy Capital works with financial products that are designed to align with the specific needs of clean energy equipment installations. The benefits of using HBC Energy Capital’s process versus a bank include financing that:
A: Yes, contractors act as our sales force. Our contractor partners consider us an “outsourced finance manager”. As a contractor partner, we can get you pre-approved to turn around financing proposals quickly. As your outsourced finance manager, HBC Energy Capital can look at your projects and proposals individually and structure the optimal financing arrangement to help you close bigger jobs, more often.
A: When the project is complete, your customer (the borrower) will sign a document verifying that the installation meets their expectations, at which point the lender will release the finance amount directly to you either by an ACH (Automatic Clearing House electronic funds transfer), or by mailing a check.
Once you are paid, the borrower will begin receiving bills for their monthly finance payments, which they make directly to the lender.
A: Yes. HBC Energy Capital can assist in identifying utility rebates, and then structuring them into the financing to meet the needs of the project or your client. For instance, many of our clients prefer to finance their projects net-of-rebates, which results in a lower monthly payment.
A: HBC Energy Capital’s three-step process is a success based compensation model and we are paid directly by the finance companies that we work with. We have arranged the same compensation with all of our finance companies, so we are agnostic about which one we use—so long as it provides the best offer to you and your customer.
A: Only in rare cases do capital providers request personal credit guarantees. We will notify the applicant prior to any activities that could affect your personal credit to discuss options and get approval.
A: Currently our portal only supports commercial, non profit, and tax exempt leasing. But if you have interest in or want to explore if other financing options, (such as PACE or a PPA) or if a service agreement may be a better option, please call us directly at (720) 724-7673.
A: Yes. HBC Energy Capital provides “outsourced” finance manager services to contractors. Think of us as your own finance team. We can work with your business to design special incentive rates and offers that you can offer time and time again to your customers, to help you stand out from your competition and improve your sales.
A: The typical financing contract will be between the borrower (business owner) and the lender, thus monthly finance payments will be made from the borrower directly to the lender. This differs only in the case of Property Assessed Clean Energy (PACE) where payments are remitted on a property tax bill to the local county, who then remits payments to the lender on behalf of the borrower.
A: Typical closing costs do not exceed $200.00 for a commercial lease. For larger projects (usually $1,000,000+), additional fees and costs may apply. These will be spelled out at or before an approved and final financing offer is provided.
A: Our financing portal allows project developers and other user types to quickly and easily create financing estimates that are customized to their energy efficiency and renewable energy projects. On the back end, the portal is loaded with rates from all of HBC Energy Capital’s lender-partners. Based on the project size, term, and project technology you are seeking to finance, our portal will put the monthly payments that correspond with the most competitive rates possible from HBC’s curated list of lenders. The portal allows you to share your finance estimate with anyone you choose, and allows for simple and easy online application process.
A: Currently the portal supports equipment finance agreements (EFAs) and equipment leases for commercial, non profit and municipal borrowers. Our plan is to eventually expand its capabilities to be able to quote other project types as well. We have found that leases and EFAs work the best for the majority of energy efficiency projects.
A: HBC Energy Capital can finance all energy-related equipment upgrades to commercial buildings from $2,500 to multi million dollar projects. We work with multiple lenders providing financing instruments to fit any project out there with the best rates and smoothest process possible. Essentially any tangible equipment—plus building controls—can be financed through our service. Create a customized finance estimate for your project today, or get in touch with us using the email or phone number at the top of your screen.
A: Please contact HBC Energy Capital at (720) 724-7673 or email firstname.lastname@example.org and we will be happy to answer your questions.