With Reykjavík Energy's strengthened finances, loans for investments or refinancing, without owners' guarantees, have become more readily available to RE. This reduces the risk from ownership to the municipalities that own RE - the City of Reykjavík, and the municipalities of Akranes and Borgarbyggð.

From the end of 2010 to the end of 2023, the ratio of RE's outstanding loan obligations, with owners' guarantee, has decreased from 93% to 29%, and the amount from ISK 209 billion to ISK 53 billion, which is a 75% drop.