Financing & incentives

Most customers don't pay cash — they finance and let the loan payment offset the utility bill they're no longer paying. Here's how each piece works.

Climate First Bank — 30-Year Solar Loans

Most common

$0-down solar loans for homeowners. Terms up to 30 years. 8.00% APR standard, 7.25% with autopay promo. The loan payment is usually less than the electric bill it replaces, so you're cash-flow positive from day one.

$0 down, no liens on the home
Apply online, decision in minutes
Loan transfers if you sell the house

Sunstone Credit — Commercial

Commercial-only solar lender. Loans from $50k to $5M, terms aligned to MACRS depreciation schedules. For most businesses we install for, the loan payment + tax-credit-and-depreciation cash flow nets out positive in year one.

Specializes in solar — they understand the asset
No personal guarantees on most LLC borrowers
Approval in 1–2 weeks for typical projects

Federal tax credit — what changed in 2026

Homeowners: the 30% residential credit (Section 25D) expired December 31, 2025. New homeowner-owned systems no longer qualify — we price accordingly and don't bake a dead credit into your proposal.

Commercial: the 30% ITC (Section 48E) is still available for projects that meet construction deadlines. Combined with MACRS depreciation, it remains a major part of commercial project economics.

Want a federal-credit benefit on a home system? Ask us about lease/PPA structures — the financing company claims the commercial credit and passes the savings through as a lower monthly payment.

State incentives

Rhode Island: RI Renewable Energy Fund grants for residential and commercial. Net-metering credits roll forward monthly to offset future bills.

Massachusetts: SMART program — production-based incentive paid by the utility for 10 years. We'll calculate your specific SMART value during the design phase.

Connecticut: Net metering with monthly carry-over credits. Residential Solar Investment Program rebates phasing out; we'll tell you what's currently available.

We do the math for you

Every proposal we send breaks down the system cost, available state and utility incentives, your loan payment if financing, and the projected utility savings — all on one page, in plain English.