"As of now, our financing needs are completely covered for this year, and we are starting a pre-financing for 2014 to guarantee we will be able to exit our adjustment program successfully, " he added.

WSJ: Good Omens But No Guarantees for Portugal

Lawson said the pre-arranged financing and a focus on customer service (Ygrene opened a physical storefront at 2600 Capitol Avenue to offer one-stop service for property owners and contractors) are intended to speed completion of energy efficiency, renewable energy, and water efficiency projects undertaken by qualifying property owners.

FORBES: Sacramento Launches $100-Million Energy Retrofit Fund

With small business credit tighter than in the pre-recession era and options for personally financing new companies through home equity lines of credit, credit cards, or savings much more restricted than it once was, many of those reentering the labor force who would have considered starting businesses in more expansionary times are not thinking of starting businesses now.

FORBES: Few Managerial Job Seekers Starting Businesses