Commercial Solar Financing

The fastest path to maximum savings. Purchase your solar system outright and immediately take advantage of all available federal and state incentives.

How it works: Pay the full system cost upfront and own your solar array from day one. You'll receive all tax credits, depreciation benefits, and SMART program payments.

Financial benefits:

• 30% Federal Investment Tax Credit (ITC) — deduct from federal taxes
• 85% MACRS accelerated depreciation — recover 85% of system cost over 5 years
• Massachusetts SMART program payments — earn credits for 10 years
• 50%+ cost recovery in Year 1 through combined incentives
• Highest ROI — typically 15-25% annual return
• 3-7 year payback period on average

Own your system with zero money down. Finance 100% of your solar installation and start saving immediately with low monthly payments.

How it works: Secure a loan through our financing partners, pay nothing upfront, and make fixed monthly payments over 5-25 years. You own the system and receive all tax benefits.

Financing features:

• $0 down payment options available
• Competitive interest rates for qualified businesses
• Flexible terms — 5, 10, 15, 20, or 25 years
• You keep all incentives — ITC, depreciation, SMART credits
• Predictable monthly payments lower than most electric bills
• Instant positive cash flow in many cases

Example: A $100,000 system financed over 10 years at 4.5% = approximately $1,036/month. With energy savings of $1,200+/month, you're cash-flow positive from day one!

Save money with zero upfront costs and no system ownership. A third-party investor installs and maintains solar panels on your property. You simply purchase the electricity at a discounted rate.

How it works: We install a solar system on your roof at no cost to you. You pay only for the solar electricity you use at a pre-negotiated rate that's lower than utility prices. The PPA provider owns the system, handles maintenance, and takes the tax benefits.

PPA features:

• $0 upfront investment — absolutely no capital required
• Immediate savings — typically 10-20% below utility rates
• No maintenance responsibility — provider handles everything
• Fixed or escalating rates — predictable long-term costs
• 10-25 year contract terms available
• Performance guarantee — you only pay for what's produced
• Option to purchase after contract term

Access solar energy with minimal upfront cost and preserve capital. Similar to leasing equipment, you make monthly lease payments while a third-party owns the system.

How it works: A solar lease provider owns and maintains the system while you make fixed monthly payments for access to the solar energy. After the lease term (typically 7-10 years), you often have the option to purchase the system at fair market value.

Operating lease features:

• Low to zero upfront costs preserve working capital
• Fixed monthly payments for predictable budgeting
• Maintenance included in most agreements
• Potential buyout option after 7 years at ~15% or fair market value
• Off-balance-sheet financing in many cases
• Immediate energy cost reduction

Earn passive income from unused roof or land space. A third-party developer installs and operates solar panels on your property, and you receive annual lease payments without using the electricity produced.

How it works: An investor leases your roof or land, installs solar panels, and pays you an annual negotiated rate. They own and maintain the system, sell the power to the grid or other customers, and you receive steady lease income.

Site lease features:

• Zero investment required from property owner
• Annual lease payments provide passive income stream
• No operational involvement — investor handles everything
• Long-term contracts (20-25 years) with payment escalations
• Ideal for large roofs or land parcels with high sun exposure
• Additional property value with income-generating lease

Best for: Commercial properties with large, underutilized roof space or vacant land parcels. Common with warehouses, distribution centers, and agricultural properties.