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The federal tax credit is gone for homeowners who buy solar. Propel solves that. A third-party owner captures the 30% credit for you, gives you performance guarantees and free maintenance, and hands you full ownership at year 5 — all with $0 out of pocket.
Answer 3 quick questions to find out if Propel is available for your home. Takes about 10 seconds.
Propel is currently available in select states
The federal residential solar tax credit (Section 25D) expired on December 31, 2025. That means if you buy solar with cash or a loan, you get $0 back from the IRS. But there's a workaround — and it's called Propel.
Same $30,000 system — two very different outcomes
Think of it as solar with training wheels. Someone else handles the tax credits and maintenance for the first 5 years, then you take over with full ownership.
You sign a Prepaid Energy Services Agreement (ESA) and a 25-year loan with Concert Finance. The loan covers everything — the ESA and the early buyout price. Your monthly payment starts immediately, and it's lower than a standard solar loan because the 30% tax credit is factored in.
Since the residential ITC (Section 25D) is dead, you can't claim the 30% credit if you buy solar yourself. But with Propel, a third-party owner holds the system for the first 5 years — so they claim the 30% under Section 48/48E. That savings gets baked into your lower payment.
Three parties, one goal: lower payments for you
From install to full ownership in 4 simple steps
Solar goes on your roof. You start saving on your electric bill immediately. $0 out of pocket.
A third-party owner holds the system and captures the 30% federal tax credit. You get performance guarantees, free monitoring, and maintenance included.
Exercise the Early Buyout Option at a pre-set price. Ownership transfers to you. You now own a solar asset that adds value to your home.
You own the system and keep every dollar of savings. Continue paying the same low monthly loan payment — or pay it off early with no penalty.
All loans are 25-year terms with 0% dealer fees. Get an extra 0.50% off with autopay (ACH).
| Credit Tier | APR | Dealer Fee |
|---|---|---|
| Excellent | 7.79% | 0% |
| Very Good | 8.79% | 0% |
| Good | 9.79% | 0% |
| Standard | 8.99% | 0% |
*Estimated monthly for a $30,000 system before ACH discount. Your rate depends on credit and system size. 0.50% ACH discount available.
Here's how Propel stacks up against every other way to go solar in 2026.
| Feature | Propel | Cash | Loan | Lease/PPA |
|---|---|---|---|---|
| $0 Out of Pocket | ||||
| Lower Monthly Payment | N/A | |||
| Performance Guarantee | ||||
| No Escalating Payments | ||||
| Free Monitoring & Maintenance | ||||
| 30% Tax Credit Captured | ||||
| You Own the System | ||||
| Adds Value to Your Home |
Cash: No | Loan: Yes | Lease: Yes
Loan: No | Lease: Yes
Cash: No | Loan: No | Lease: Yes
Cash: Yes | Loan: Yes | Lease: No
Cash: Yes | Loan: Yes | Lease: No
Cash: No | Loan: No | Lease: Yes
During the first 5 years, everything is covered. After you take ownership, you keep the monitoring and warranties.
If your panels produce less energy than promised, the difference is covered.
5-year workmanship warranty plus O&M (operations & maintenance) coverage at no extra cost.
25-year system monitoring so any issues are caught and resolved automatically.
Roof penetration warranty protects against any leaks from the installation.
Pay off the loan early at any time — no extra fees, no hidden costs.
Selling your home? Transfer the loan and ESA to the new buyer, or pay it off at closing.
Get a free quote that includes Propel financing, state incentives, and a custom system design for your home. No commitment, no credit impact.
Propel financing provided by Concert Finance. Loans originated by Medallion Bank, Member FDIC.