Improving the energy efficiency of rural homes, businesses, and institutions keeps hard-earned money in community members’ pockets. However, programs to provide efficiency upgrades often require upfront investments, which may be a barrier for some rural community members. Utilities, state and local governments, advocates, and efficiency program implementers can help rural residents and businesses access various funding sources to offset the cost of efficiency improvements. This fact sheet describes a variety of funding sources and financing tools available to for rural energy efficiency program implementers.