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A traditional term loan or SBA loan used to purchase a commercial solar system outright. The business owns the system from day one, claiming the full ITC, MACRS depreciation, and all energy production benefits. Multiple loan products are available including SBA 504/7(a) loans, commercial bank loans, and green bonds.
SBA 504 loans provide up to $5.5M for solar with 10% down, 20-year terms, and below-market fixed rates. SBA 7(a) loans offer up to $5M with 10-25 year terms. Both programs are well-suited for commercial solar financing with favorable terms for small businesses.
Loan payment ($1,000-$6,000/mo for 100kW)
Based on a 100kW commercial system
Businesses wanting maximum long-term savings
Companies with strong credit and tax appetite
Organizations seeking to build equity in the asset
Businesses eligible for SBA loan programs
Full ownership — maximum 25-year savings
Claim ITC + MACRS for significant year-one tax benefits
After loan payoff, electricity is essentially free
SBA loans offer favorable terms (up to 25 years)
Build equity in a tangible asset
No third-party involvement in your energy system
Down payment required (10-20% typical)
On-balance-sheet debt
Responsible for maintenance and insurance
Requires sufficient tax liability to use ITC/MACRS
Monthly payments may exceed immediate energy savings initially
Credit qualification required
$0 upfront
A Solar PPA is a contract where a third-party developer owns, installs, and maintains the solar system on your property. You purchase the electricity generated at a fixed rate, typically 10-30% below your current utility rate. No upfront cost, no maintenance responsibility.
$0 upfront
A solar lease is similar to a PPA but involves fixed monthly payments instead of per-kWh pricing. The third-party lessor owns the system, and you pay a predictable monthly amount regardless of production. Operating leases can be off-balance-sheet under certain conditions.
$0 upfront
Commercial Property Assessed Clean Energy (C-PACE) finances solar through a voluntary property tax assessment. The loan attaches to the property (not the owner), with repayment through property tax bills over 20-30 years. This unique structure enables 100% financing with no personal guarantee.
SBA 504 loans provide up to $5.5M for solar with 10% down, 20-year terms, and below-market fixed rates. SBA 7(a) loans offer up to $5M with 10-25 year terms. Both programs are well-suited for commercial solar financing with favorable terms for small businesses.
Site-specific pricing with exact incentive calculations. No obligation.