Upgrading a chiller, installing a solar photovoltaic system, undertaking a deep whole-building retrofit—all these projects require large upfront investments, followed by long term paybacks through energy bill savings. Capital budgets may not allow for such large expenditures. The organization may be reluctant to take on debt, and lenders may balk at putting up the cash. Several new clean energy finance structures are emerging, however, that allow owners to plant the seeds of efficiency without going out on a limb.