⚡ Highest max loan ($150K). "30s Split" defers ITC interest-free 18 months. No lien on home — lien on equipment only. Re-amortization available 3x.
EnFin
Loan
600+
Min FICO
Loan Product Details
Terms10, 15, 20, 25, 30 yr
Loan TypeUCC-1 / Fixture Filing
Credit CheckSoft → Hard near install
First PaymentAfter PTO
NTP Timeline1–3 days
Co-BorrowerYes (one must be on title)
Covers
Solar (all brands)Battery
⚡ Only lender backed by a manufacturer (Qcells/Hanwha). Best rates on QCell projects. Extends panel warranty to 30 yrs on QCell installs. Backed by Hatch Bank.
Dividend Finance
Loan
660+
Min FICO
Loan Product Details
Loan AmountUp to $120,000
Terms10, 20, 25 yr
APR Range3.99% – 8.99%
Loan TypeSecured (EmpowerLoan)
Credit CheckSoft → Hard at funding
First Payment~60 days post-install
Credit Expires180 days (no extension)
Loan StructureNeg. amortization first 15 months
Adder Cap>35% → use Solar+Loan product
Covers
SolarBattery
⚡ Division of Fifth Third Bank. Re-amortization 3x is unique. Solar+Loan product required when adder >35% of loan total.
LightReach (Palmetto)
TPO / LeasePPA
600+
Min FICO
TPO Product Details
Product TypeLease or PPA (state-dependent)
Term25 years
Upfront Cost$0
Credit CheckSoft pull only
Production GuaranteeYes — credit if <90% production
Monitoring & O&MIncluded
Transfer to new HOYes
Availability30+ states
Covers
SolarBatteryHVAC (Lease)
⚡ Palmetto owns system. Captures 48E commercial ITC (through 2027) and passes savings through pricing. Integrated into Aurora & OpenSolar.
Participate Energy
TPOPrepaidNo Credit Check
None
No Min FICO
TPO Product Details
ProductsPrepaid Lease / ESA / On-Bill
Term25 years
Credit CheckNone required
Upfront (Microgrid)$0 — on-bill tariff
Property LienNone
Ownership TransferAfter year 6 at no cost
MaintenanceHandled by Participate Energy
⚡ No credit check on any product. "Synthetic Cash" prepaid delivers cash-purchase economics without upfront cost. Partners with Tesla.
Concert Finance / Propel
LoanPrepaid ESATrans. Ownership
—
Soft Pre-Qual
Propel Product Details
StructurePrepaid ESA + 25-yr Concert loan
Upfront Cost$0 down
Term25 years (own at Year 5)
Years 1–5TPO holds, captures 30–40% 48E ITC
Year 5+Automatic ownership (EBO)
Performance Guarantee85% of estimated kWh
O&M (Yrs 1–5)Included
Credit CheckSoft pre-qual
⚡ Post-ITC expiration powerhouse. TPO captures 30–40% commercial 48E ITC, passes savings as lower monthly payment. No dealer fees. Full ownership at Year 5 automatically.
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Credit requirements, loan amounts, and APR ranges reflect publicly available information as of 2025–2026 and may vary by state, installer partner, and individual underwriting. The residential 30% ITC (Section 25D) expired December 31, 2025. TPO and Propel/Concert products capture the commercial 48E credit (available through 2027).