A customer meeting the definition of a small business who receives service from at least one of California’s four investor-owned utilities (IOUs) - PG&E, SDG&E, SoCal Edison, SoCal Gas, or a Regional Energy Network (REN) or Community Choice Aggregator (CCA) - may apply for financing from a finance company participating in the program. Participating finance companies receive a credit enhancement for the financing they provide. The credit enhancement acts like insurance in the case that a customer defaults on their payment. In turn, the customer receives benefits such as better terms, a longer payback period, or broader approvals.