New Jersey's trusted, full-service energy partner for LED lighting, HVAC, and solar upgrades. PSE&G Certified Trade Ally since day one.
Everything you need to know about PSE&G programs, OBR financing, how projects work, and what makes Lumens America different.
Lumens America is a full-service energy solutions company based in New Jersey. We design, install, and manage energy efficiency upgrades for commercial, industrial, and multifamily properties — including LED lighting, HVAC systems, and solar installations.
What sets us apart is our deep expertise in PSE&G incentive programs. As a PSE&G Certified Trade Ally, we help customers identify which programs they qualify for, handle all the paperwork and applications, and structure projects so you pay as little out of pocket as possible.
Lumens America has been operating in New Jersey for over 10 years. We started as LED lighting specialists and expanded into HVAC and solar as customer demand grew. Our team and leadership have remained consistent throughout — which is relatively rare in this industry.
We serve all 21 counties across New Jersey — statewide. From Bergen and Hudson in the north to Cape May and Cumberland in the south, no part of New Jersey is outside our service area.
We work across a wide range of property types, including:
PSE&G offers five main programs for commercial and multifamily customers:
See our Programs page for full details on each.
The simplest answer: schedule a free energy assessment with Lumens America. In a 45-minute on-site visit, we evaluate your facility, review your utility bills, and identify exactly which programs you're eligible for — along with estimated incentive amounts.
As a rule of thumb: if your business is under 300 kW, Direct Install is usually the best starting point. Larger facilities typically qualify for Prescriptive or Engineered Solutions. Multifamily owners with 3+ unit buildings have their own dedicated program track.
Yes. PSE&G incentive programs are available to customers who receive electric or gas service from PSE&G. If your utility service is provided by another NJ utility (JCP&L, Rockland Electric, South Jersey Industries, etc.), you may be eligible for separate programs through that utility — contact us and we can advise.
In some cases, yes. OBR financing can be stacked with Prescriptive rebates to cover remaining project costs after the rebate is applied. The Multifamily program also combines direct rebates with OBR in a single project structure.
Lumens America structures every project to maximize the total incentive package. We'll always show you the full picture — what's covered by rebates, what's covered by OBR, and what (if anything) requires out-of-pocket cost.
Yes. Facilities with existing solar panels are still eligible for PSE&G rebate programs, as long as you have an active PSE&G account.
Yes. Non-profit facilities, houses of worship, and public entities such as schools and municipalities are eligible for PSE&G programs, as long as the property is within PSE&G's service territory.
Yes. The 300kW threshold only applies to the Direct Install program. The Prescriptive and Engineered Solutions programs have no minimum or maximum peak demand limit — large industrial facilities and warehouses qualify.
Yes — if it was installed within the last 90 days. PSE&G's 90-Day Lookback pathway lets you apply for incentives after installation without prior pre-approval. Contact us as soon as possible since the window runs from the installation date.
Yes, through the Prescriptive-Custom pathway. Standard Prescriptive rebates don't cover LED-to-LED replacements, but the Custom pathway calculates incentives based on verified energy savings between the old and new fixtures. Lumens America handles the engineering documentation and application.
No. PSE&G's Prescriptive and Direct Install programs cover upgrades to existing buildings only. New construction is not eligible through these programs.
Yes — and most customers don't know this. Lighting sensors have their own PSE&G incentive track, separate from fixture rebates. That means you can layer sensor rebates on top of LED upgrade rebates in the same project.
Eligible sensor types include:
Lumens America evaluates sensor opportunities during every energy assessment — many projects qualify for significantly more than the fixture rebate alone.
Yes. Electric chillers are now a Prescriptive Program category with strong incentive returns. If your facility has an aging chiller system, it's worth evaluating — the rebate combined with energy savings typically produces a fast payback period.
Yes. Pipe insulation qualifies under the PSE&G Prescriptive Program and is one of the most underutilized measures available. It's especially relevant for warehouses, industrial facilities, and any building with exposed piping — the ROI is strong and the installation is relatively low-cost.
OBR is PSE&G's financing mechanism for energy efficiency projects. Instead of taking out a bank loan, PSE&G funds the project upfront and you repay the amount through a line item on your monthly utility bill — typically over 60 months.
Key facts: 0% interest, no credit check, no collateral, and no prepayment penalty. In most projects, the monthly OBR repayment is equal to or less than the energy savings generated — meaning the upgrade often pays for itself from day one.
No. OBR is zero-interest financing. The amount you borrow is exactly the amount you repay — no fees, no interest, no penalty for paying early. PSE&G subsidizes this as part of the energy efficiency program structure.
The OBR is tied to the utility account at the service address — not to you personally. When a property is sold, the OBR obligation typically transfers to the new account holder at that address. Lumens America can walk you through the transfer process at time of sale.
In some cases, sellers choose to pay off the remaining OBR balance as part of the closing process. Because there's no prepayment penalty, this is always an option.
Yes. You can pay off the remaining OBR balance at any time with no penalty. Many customers choose to do this after a refinance, at time of sale, or simply when they have excess capital available. Contact PSE&G directly to request a payoff statement.
After the installation passes PSE&G's post-installation inspection, PSE&G issues the OBR funds directly to the contractor (Lumens America). You as the customer never handle the project funds — the work is completed and paid before your repayment begins on the following billing cycle.
OBR covers up to $250,000 of remaining project cost after the rebate is applied, plus 80% of any remaining balance beyond that.
Example: A $100,000 project with a $40,000 rebate leaves $60,000 — OBR can cover that full balance. On a $1M project with a $50,000 rebate, OBR covers $250,000 of the $950,000 remainder plus 80% of the rest, bringing your out-of-pocket to $140,000.
No. There is no minimum OBR amount. Any qualifying project can apply for OBR financing regardless of size.
Tenants are eligible for OBR — not just property owners. The OBR is tied to the PSE&G utility account at the service address, so any account holder at a qualifying property can participate.
It depends on the program and project size:
We set realistic timelines at the start and update you at every milestone. Delays caused by PSE&G review are outside our control, but we track every application proactively to minimize wait time.
For most projects, no. We coordinate access with your facilities team or building manager. For occupied residential multifamily properties, we schedule in-unit work with residents directly to minimize disruption.
For commissioning sign-offs and final walkthroughs, a property representative should be present. We'll schedule this at a time that works for you.
You'll typically sign:
Lumens America prepares and walks you through every document. Nothing goes to PSE&G without your review and signature.
After installation, PSE&G conducts a post-installation inspection to verify the work matches the approved scope. Once inspection is passed, rebate checks are issued and OBR funds are released to us. For Engineered Solutions programs, a 12-month M&V period begins to calculate your actual incentive based on verified savings.
We stay in contact through the inspection and payment process. You shouldn't have to chase PSE&G for anything — that's our job.
Not always. PSE&G now accepts photo documentation in lieu of in-person site visits for certain projects. When this option applies, Lumens America handles the photo submission — before, during, and after installation — so you don't have to coordinate a separate site visit with an inspector.
For larger or more complex projects, a physical inspection may still be required. Either way, we manage the scheduling and documentation on your behalf.
All of New Jersey — all 21 counties, statewide. Bergen, Essex, Hudson, Union, Passaic, Morris, Somerset, Hunterdon, Warren, Sussex, Middlesex, Monmouth, Mercer, Ocean, Atlantic, Burlington, Camden, Cape May, Cumberland, Gloucester, and Salem.
Whether you're in the urban corridor of Hudson and Essex, the suburbs of Monmouth and Burlington, or the southern counties like Cape May and Cumberland, we operate throughout the entire state. Our service area covers the full PSE&G territory.
No. PSE&G programs are only available to customers who receive electric or gas service from PSE&G. If your property is served by another NJ utility (JCP&L, SJI, Rockland Electric), you may be eligible for separate programs through that utility. Contact us and we can help point you in the right direction.
A few things matter most to our customers:
The energy assessment is completely free — no cost, no obligation. We evaluate your facility, identify qualifying upgrades, and show you what programs apply, what the incentives cover, and what (if anything) you'd pay out of pocket.
For Direct Install program participants, PSE&G covers 100% of the installation cost with no upfront payment required. For other programs, OBR financing is typically available to cover remaining costs after rebates — often with monthly repayments offset by energy savings.
Yes. All Lumens America installations are backed by a workmanship warranty. Equipment manufacturer warranties are also passed through to the customer. Warranty terms vary by project type and equipment — your project team will provide specific warranty documentation at project close.
If there's ever an issue with work we completed, contact us directly. We return calls, we come back to job sites, and we don't charge for warranty service on our own workmanship.
Yes. We regularly work with property management companies, retail chains, and real estate portfolios to run assessments and installations across multiple sites. Portfolio projects are coordinated centrally with a dedicated Lumens America project lead to keep everything on schedule across locations.
Multi-site projects can also unlock higher total incentive values — contact us to discuss your portfolio.
Our team responds to every inquiry. No automated phone trees, no form submissions that go nowhere. Just a real conversation about your building and your options.
New Jersey's trusted, full-service energy partner for LED lighting, HVAC, and solar upgrades. PSE&G Certified Trade Ally since day one.