Similar initiatives

Selection of related studies and projects that might be of interest in the developement of one-stop-shops and/or energy service packages.

ARTEE-Nouvelle Aquitaine Region
(Started in 2015, currently operational)
ARTEE is a One-Stop-Shop for private owners of Nouvelle-Aquitaine providing technical and financial assistance. They offer a complete “key-in-hand” offer combining consulting, project design, financing and follow-up of energy consumption.
After an audit, they suggest three different solutions with a target of 40% of energy savings. They try to balance reducing invoices with a monthly loan payment. They offer a long term loan, until 25 years in order to preserve the homeowner budget.
To make sure that homeowners reimburse the amount of money advanced, they ask for guaranties for loans over €5 000: firstly, a death and disability insurance and secondly, a guarantee or a mortgage. They have found a French partner: the mutualiste de l’assurance emptrunteur (MNCAP). However, those guaranties are expensive for the householder even if they offer to integrate their cost in our funding.
To develop their financial scheme, they take into account local and regional policies, and local relationships and authorities support.
(Started in 2014, currently operational)
Oktave offers Integrated Service for Energy-Efficiency Renovation services to private households in the region of Alsace Champagne-Ardenne Lorraine. One of the key aspects of this project is to build relationships among all the stakeholders, including craftsmen, owners, OKTAVE staff and counsellors, city council elected officials and, in doing so, to build trust.
OKTAVE is involved in three stages: firstly, they build a brand image and notoriety. Secondly, they make all the stakeholders aware of the issue and foster their commitment. And finally, they sell OKTAVE’s services.
Although the project started in Alsace, the company’s ambition is also to develop throughout the Grand East, which is both a political objective of the main shareholder they represent and a necessity for the company to reach its breakeven point estimated at 1 000 renovations per year.
Here is a link to show the innovative marketing and communication campaign, based (among others) on developing a web series to engage homeowners in the energy retrofit.
(From 2013 until 2017. Currently, it is running PadovaFIT Expanded)
The municipality of Padova, within the project PadovaFIT!, has launched a Financing Investment Tool for the multi-property residential buildings of the city.
An Energy Service Company (ESCO), in partnership with an engineering company, has been appointed to perform the works in the subscribing buildings and has become the PadovaFIT! delivery partner.
The ESCO manages integrated energy services that offers contracts with guaranteed performances, whose fees are directly connected to the achieved energy savings (energy performance contracting – EPC).
Building upon the great deal of knowledge and experience produced in Padova, now H2020 PADOVAFIT Expanded aims at creating and piloting a dedicated One-stop-shop in Padova, expanding the business model to Timişoara (RO) – launching and piloting a One-Stop-Shop as well – and supporting the Bulgarian Energy Agency of Plovdiv to prepare the ground for the metropolitan areas of Burgas (BG) and Smolyan (BG) to take on the examples of Timişoara (RO) and Padova (IT).
Picardie Pass Rénovation
(Starded in 2013, currently operational)
The region of Picardie has launched a pilot project with the Public Service for Energy Efficiency (PSEE) and deployed the Picardie Pass Rénovation service.
Founded on an innovative economic model, through a dedicated public fund, the PSEE advances the amount allocated to renovation works and beneficiaries repay this advance by a long term loan at a low rate that could be reimbursed thanks to financial savings generated on their energy bill.
The PSEE focusses on a virtuous model to significantly help the reduction of energy consumption in residential buildings and bring about local economic expansion without relying on public subsidies. For that, it has been developed as an integrated service that supports technically and financially private homeowners’ renovation. Partnerships with local authorities, institutions and building companies are essential.

Île-de-France énergies
( 2013 start date of the ESCO/OSS, currently operational)
Energies POSIT’IF, later became Île-de-France énergies, has been the first semi-public company in using the third party funding for the energy building retrofit in the Ile-de-France region. In principle, energy savings were mobilized to finance retrofit works. Nevertheless, they  have established One-Stop-Shop solutions to accompany and support condominiums and social houses organisations throughout the renovation process, providing them  with a complete package of organisational, technical, legal and innovative financial services. The OSS offers two operational business models: on the one hand, the OSS can collaborate with condominiums in the development of the plan and in the arrangement of the financial schemes, but the implementation remains in the hands of the condominium. Or, on the other hand, the OSS services can go further as they are in charge of implementing the plans. The project has ended but the OSS is still operational.

Case studies: OSS for energy renovations of buildings
Publication 2018. A report on OSS case studies with a primary focus on the
EU Member States.

Retrofits of private homes in France
2016. Edition: UNEP Finance Initiative, European Climate Foundation, Vesta Conseil et Finance, Climate&Strategy Partners

One-stop-shop service for sustainable renovation of single-family house
Krushna Mahapatra, Mid Sweden University – Nordic Innovation Publication 2012:21
In Nordic countries significant primary energy efficiency potential exists in houses built before 1980. These houses are more than 30 years old and need to be renovated, which provides an opportunity for implementation of energy efficiency measures. However, there are several economic and market barriers and the renovation markets are dominated by handicraft-based individual solutions. In this project we analyze the opportunities for implementation of one-stop-shop business models where a single actor offers full-service holistic renovation packages including consulting, independent energy audit, renovation work, follow-up (independent quality control and commissioning) and financing.

Infinite Solutions
(From 2014 to 2017)
Infinite Solutions was a H2020 funded project that aimed at setting up 3 differents innovative financing schemes for energy efficient refurbishments. All results are published in two major guidebooks:
Financing the energy renovation of public buildings through Internal Contracting
Financing the energy renovation of residential buildings through soft loans and third-party investment schemes
Setting up a soft loan scheme with local financing institutions was the second mechanism developed in the frame of the project. Related to the residential building sector, this financial product breaks down the barrier of the difficulty for citizens to prefinance their work.
The city of Stuttgart developed a ‘carefree energy renovation package’ for homeowners. The package includes: planning, building and construction, operation and maintenance, financing, guarantee and risk assumption. Homeowners do not need to secure upfront financing for the replacement of the heating system. This is financed by a municipal ESCO to whom the homeowners pay a monthly service fee through energy supply contracting.
Finally, the Internal Contracting (intracting) model, also developed by the city of Stuttgart presents a totally different way of managing municipal budgets. Coupled with a revolving fund, the mechanism is used for public buildings.

(Started in March 2018- three-year project)
EuroPACE is more than a  financing programme (inspired by the success of an on-tax financing model called PACE, launched in California in 2008). It is focused on customers, and after having done a market analysis, it offers innovative financing tools to upgrade their properties:  transparent, easy and secure long-term financing attached to the property that can be repaid via a charge added to a property.
The European Mortgage Federation
(Energy Efficient Mortgage initiative launched in 2016, currently operational)
The European Mortgage Federation brings together associations of and individual mortgage lenders from across Europe. They have launched a market-led initiative focussed on the design and delivery of an “Energy Efficient Mortgage (EEM)”, which is intended to incentivise and channel private capital into energy efficiency investments.
In November 2018, the EEM Initiative published a definition of an energy efficient mortgage and then benchmarked existing “green” loan products against it. Currently, there are more than 30 such products available across the EU. Banks and other relevant stakeholders are still working together to deliver the first energy efficient mortgage product under the EEM Initiative umbrella.
To set up this mortgage, an understanding and cooperation between relevant market stakeholders, primarily banks, energy suppliers and auditors, property values, supported by local, national and European authorities where relevant is required. Another key enabling condition is robust and reliable data on building energy performance (delivered by the EPC), which should be incorporated in banks’ credit decision making processes and risk management procedures. This will also allow for the correlation between energy performance and credit risk (negative correlation), which drives the business case for lenders and subsequent benefits for all actors in the value chain.
According to the lender, this mortgage might be characterised by preferential interest rates, higher loan amount at the time of origination, an integrated service offers in partnership with utilities, including

(Started in 2016 until 2020)
ACE-Retrofitting is a project funded by INTERREG programme and coordinated by Energy-cities (Besançon). Its aim is to accelerate the energy retrofitting of private condominiums through local governments, which act as facilitators between co-owners and building professionals. The ACE-Retrofitting’ partners will develop an online collaborative platform to link the demand and supply side, following the successful example of CoachCopro (Paris Climate Agency platform).


(Started in 1 April 2016 to 31 March 2020)
FINERPOL aims to increase the renovation rate of buildings by improving access to finance and so enabling those upfront investments to be made.

(Started in the beginning of April 2015 and ended in the end of March 2018, but currently operational)
Its main is to bridge the gap between the supply side and demand side by developing a methodology or roadmap, which will result in dedicated renovation packages for different market segments and regions in Europe. The first target is the private residential sector (homeowners) but a preparation to expand to other market segments will take place within the project. Renovation towards NZEB-standards will be customizable in order to ensure that they meet local demands and can be provided by local suppliers.

(Started in 2012, currently operational)
Energiesprong is a revolutionary dutch government-funded innovation programme, that proposes a whole house refurbishment,new building standards and funding approach. Energiesprong uses the social housing sector in each market as the launching market for these solutions, with a view to later scale to the private home-owner market.
The Energiesprong refurbishment standard implies a renovation is completed within one week, without residents having to vacate the home. Moreover, it comes with a 30 (or 40!)-year warranty covering both the indoor climate and the energy performance. The refurbishment is financed by combining the energy costs savings from the tenants and costs the social housing organisation saves on maintenance. Ultimately, residents get a better and more comfortable house without any additional monthly expenses.
Energiesprong attracted two European funding lines contributing to executing this international expansion: a Horizon 2020 and an Interreg North-West Europe project.

Innovative financing models, such as Third Party Financing schemes (TPF) including Energy Performance Contracting (EPC), revolving funds, soft loan schemes, and cooperative models are developed across the European Union. Those models have proven to be successful in providing financing for large scale and deep energy efficiency renovations in buildings. Citynvest aims at supporting and replicating successful innovative financing models for energy efficiency renovations in public buildings.
REHABILITE is a transnational platform to support energy renovation of buildings in the SUDOE space (Spain, France and Portugal). It aims to identify and capitalize innovative Financial Instruments to break the investment barrier for energy renovation, and contribute to the strengthening of the regional policies for energy efficiency.

Energy Cities
Keep up with the most relevant developments regarding innovative financing instruments for energy efficiency.

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