Go solar your way.
Own your power with cash or a loan. For businesses, explore PACE, commercial loans and PPAs. We'll model every option and help you pick the best fit.
Own your system — pay your way.
We're ownership-first: you own the system and every dollar of value it produces. We don't sell traditional leases or PPAs with escalators.
Pay cash
The best long-term return — full ownership, no interest. 5% down at signing ($1,200 minimum), then 50% / 30% / 10% / 10% of the balance at approvals, install, inspection and PTO.
Affinity Plus
Affinity Plus Federal Credit Union solar loans — home-equity up to $100,000 or personal up to $40,000, 5–15 year terms, no prepayment penalty.
One Ethos
No-dealer-fee solar loans from Climate First Bank (FDIC-insured) — your financed price equals our cash price.
CEE (MNCEE)
Center for Energy and Environment’s Residential Solar Loan — up to $60,000, 5–15 year terms, no income limit. Loan must be approved before work starts.
Structures that fit the bottom line.
Bigger projects open up more ways to pay — we model the best fit for you.
Cash or commercial loan
Own the asset outright or finance it — with the 30% ITC and depreciation lowering the net cost.
Commercial PACE
Property Assessed Clean Energy financing lets a business fund solar through a long-term assessment on the property — often low, fixed-rate, and it can transfer with the property.
ITC + depreciation
The 30% federal credit (time-limited — placed in service by Dec 31, 2027) plus MACRS depreciation can cover a large share of the cost.
PPA options
For some commercial projects, a power-purchase agreement can fund the system with little or no money down. We'll help you weigh ownership vs. a PPA — and we don't push PPAs on homeowners.
Ownership-first, always honest
For homeowners, owning your system (with cash or a loan through partners like Affinity Plus, One Ethos or CEE) almost always beats a traditional lease or PPA — you keep the savings and the incentives. For commercial and agricultural projects, more structures make sense, including Commercial PACE, commercial loans and, for some, a power-purchase agreement. We'll show you the numbers for each and never steer you into the option that's worse for you.
We'd rather you understand it than rush it.
The math isn't complicated once it's on the table.
What's the real price?
Compare the cash price to the financed price. A very low APR often hides a dealer fee in the system cost — we show both.
What's the monthly vs. my bill?
A good loan payment often lands near or under what you pay the utility today — so you're buying an asset instead of renting power.
What do I keep?
Because you own the system, you keep the savings, the net-metering value, any incentives and the resale value — not a leasing company.
Frequently asked.
Do you offer solar leases or PPAs to homeowners?
Not traditional ones. For homes we're ownership-first — you own your system (cash or loan) and keep its value and incentives. We don't sell residential leases or PPAs with escalating payments. Power-purchase agreements are something we discuss only for qualifying commercial or tax-exempt projects.
Cash or loan — which is better?
Cash gives the best lifetime return (no interest) if you have the funds. A loan lets you start saving now with little or nothing down and often a monthly payment near or below your old electric bill. We model both with real numbers so you can choose on facts, not pressure.
What's the catch with “$0-down” solar loans?
Low-APR solar loans often carry a dealer fee baked into the system price — the lower the rate, the higher the fee. We show you that trade-off honestly and let you compare a cash price against financed options side by side.
Do I need great credit to finance?
Loan approval and rate depend on credit, but our lending partners serve a wide range of profiles. We'll help you find the option you qualify for — or you can pay cash and skip financing entirely.
Can I finance a battery, EV charger or new roof too?
Often yes — storage, EV charging and even a needed re-roof can frequently be rolled into the project financing so you have one clean payment. We'll lay out what's eligible.
What happens to my loan if I sell the house?
You typically pay off the remaining balance at closing (often from the sale proceeds, since the system adds value), or arrange a transfer where allowed. Because you own the system outright, there's no lease for a buyer to assume — a cleaner sale than leased solar.
Which loan partners do you work with?
We work with Affinity Plus Federal Credit Union, One Ethos (loans by Climate First Bank) and Center for Energy and Environment (CEE). We'll match you to the right fit and show the true cost of each.
What is Commercial PACE?
PACE (Property Assessed Clean Energy) lets a business finance solar through a long-term assessment on the property-tax bill — typically low fixed-rate, up to ~25 years, and it can stay with the property if you sell.
How should a business finance solar?
It depends on tax appetite and cash flow. Cash captures the full ITC + depreciation fastest; a commercial loan or PACE spreads cost while you keep the tax benefits; a PPA suits organizations that can't use the credits. We model each.
Our nonprofit/school can't use tax credits — what are our options?
Elective (“direct”) pay lets tax-exempt organizations receive the ITC value directly, or a third party can own the system under a PPA and sell you cheaper power. We help you weigh both.
Quality work, priced fairly.
You get the equipment, engineering and workmanship you'd expect from the big national installers — delivered by a local, family-owned crew that's here for the long haul. Every system is designed and installed by our own team, permitted and inspected, and backed by a 30-year warranty.
Want to see your real numbers?
Free assessment with a clear payback for cash, loan, and (for business) PACE.