Paying for Your Windows

Three genuinely different ways to pay, explained plainly. Contractor financing plus two Colorado energy programs we are an authorized contractor for.

A whole home window project in Denver is usually somewhere between eighteen and forty five thousand dollars. That is a real number, and for most households it is not a number you write a check for.

There are three ways to pay for it that we work with. They are genuinely different from each other, not three versions of the same thing, and the right one depends on your project and your situation rather than on which one is easiest for us.

Below is what each one is, who it tends to fit, and what you should understand before you sign. Including the parts that are easy to miss.

We would rather you understand this before the install than after it.

The three paths, side by side

Contractor financing

Path one

What it is
Financing arranged through our lending platform partner
Who runs it
Enhancify and its lending partners
How you repay
Directly to the lender
What it is tied to
You, as the borrower
What it covers with us
Any project
Best for
Speed and simplicity, or projects outside the energy programs
Our role
We introduce you to the platform

Check your options on this page →

Colorado RENU Loan

Path two

What it is
A loan program run by the Collective Clean Energy Fund
Who runs it
Collective Clean Energy Fund and its participating lenders
How you repay
Directly to the lender
What it is tied to
You, as the borrower
What it covers with us
Windows, doors, storm windows, storm doors, air sealing, insulation
Best for
Homeowners who want a program loan covering a broader efficiency scope
Our role
Authorized contractor

Learn more about RENU →

ClearPath On-Bill Repayment

Path three

What it is
A repayment program run through the Collective Clean Energy Fund with Xcel Energy
Who runs it
Collective Clean Energy Fund and Xcel Energy
How you repay
As a line item on your Xcel electric bill
What it is tied to
Your electric meter, not you
What it covers with us
Windows and doors, air sealing, attic and wall insulation
Best for
Homeowners who want repayment on the utility bill, and who understand the property transfer
Our role
Authorized contractor

ClearPath On-Bill at CCEF →

We do not set the rates, terms, or approval criteria on any of these. Those come from the lender or the program, and you will see them in writing from them before you commit to anything.

Not sure which one, or not sure you want to figure this out alone?

That is a completely reasonable place to be. Three programs with different structures is a lot to sort through on a web page, and the differences that matter are the ones that depend on your specific situation.

Bring it to the consultation. We will walk through all three with you, tell you which ones your project actually qualifies for, and say so plainly if the honest answer is that none of them fit. There is no cost to have that conversation and nothing to sign at the end of it.

Schedule Your Free Consultation

Path one, contractor financing

This is the fastest option and the one most homeowners use.

You can check your options right here on this page. It takes a few minutes, and it will show you what you qualify for without a hard credit pull to look.

All rate, term, and payment information comes from Enhancify and its lending partners, and appears inside their tools above along with their disclosures. We do not set those terms and we do not quote them.

Who it tends to fit: homeowners who want this handled quickly, homeowners whose project scope is windows only, and homeowners who do not want a program obligation attached to their property.

Path two, the Colorado RENU Loan

We are an authorized contractor for the Colorado RENU Loan, a program of the Collective Clean Energy Fund.

What it covers on a project with us:

Why homeowners choose it: the scope is broader than a window project alone. If you were already thinking about air sealing or attic work, this program can cover that in the same financing package rather than in three separate transactions.

A few program facts, as published by CCEF: funding is available up to $75,000, there are no prepayment penalties, and approvals generally come back within several business days. The loan is secured by a UCC-1 filing on the installed measures only, with no lien placed on your property.

Current rates and terms are set by the program and its participating credit unions, and CCEF publishes them directly. We do not restate them here because those figures change and the program is the right source. Read the current program details at CCEF →

What to know:

How to start: tell us at the consultation. We get you a quote first, since the program requires a quote from an authorized contractor before you apply. You pick your lender from there.

Path three, ClearPath On-Bill Repayment through Xcel

We are an authorized contractor for ClearPath On-Bill Repayment, a Collective Clean Energy Fund program administered with Xcel Energy.

What it covers on a project with us:

What makes it different: you repay as a line item on your Xcel electric bill rather than writing a separate check to a lender.

A few program facts, as published by the Collective Clean Energy Fund: funding is available up to $50,000 per meter, repayment appears on your monthly utility bill, and there are no prepayment penalties.

Current rates, terms, and fees are set by the program and published by CCEF directly. We do not restate them here, because those figures change and the program is the right source for them. Read the current program details at CCEF →

The four things you need to understand before you sign

This is the section other companies will not put on their website. Read it anyway. It is not a reason to say no. It is a reason to say yes with your eyes open.

  1. The obligation attaches to your electric meter, not to you personally. This is the structural feature that makes the whole program work, and it is not how a normal loan behaves.
  2. It transfers with the property. If you sell the house before the obligation is satisfied, the remaining balance goes with the meter to the next owner. That is either a feature or a problem depending entirely on your plans, which is why you need to know it now rather than at closing.
  3. A notice is filed in county land records. It will show up in a title search. To be precise about what this is: CCEF states that a Land Records Notice is filed with the county and that no lien is placed on your property. Those are different things, and the difference matters. But it is still a filing, and you should hear about it from us rather than discover it later.
  4. Missed payments fall under the utility's collection policy, not a lender's. Understand what that means for your account before you enroll.

Who it tends to fit: homeowners staying in the house, homeowners who want the payment consolidated onto a bill they already pay, and homeowners doing a broader efficiency scope than windows alone.

Who it does not fit: anyone planning to sell in the near term who does not want to hand a balance to a buyer.

How to start: tell us at the consultation. We get you a quote first, then send you a link so you can start the process on your end whenever you are ready. If you would rather not do it alone, a program evaluator can walk through it with you step by step.

Which one is right for you

Not a sales tool. Just the way we actually think about it.

Start here: are you doing more than windows?

Then: are you staying in the house?

Still not sure? Bring it up at the consultation. We will walk through it with you, and if the honest answer is that none of these are a good fit for your situation, we will say that too.

Common questions

Does financing change my price?

No. The quote is the quote.

Do I have to decide at the consultation?

No. You will have a written quote to take away. Nothing on this page expires at the end of a visit.

Can I combine these?

Sometimes, depending on scope and program rules. Ask us.

Will checking my options hurt my credit?

Checking options through Enhancify does not require a hard credit pull. A full application may. Their tools tell you which is which before you proceed.

Who do I actually owe money to?

Not us. On all three paths the obligation is with the lender, the program, or the utility. With contractor financing the funds go to you, and you pay us for the work. We are the contractor, not the creditor, and we are not servicing anybody's loan.

What does authorized contractor mean?

It means we are cleared to perform work funded through these Collective Clean Energy Fund programs.

Most homeowners do not know these Colorado programs exist. That is not an accident.

We will walk you through all three, including the parts that are inconvenient for us.

Call (720) 351-4292