Show the Work:
Real Proposals, Real California Numbers

Four Propel Proposals. Four Sets of Actual Numbers.

Each card below represents an actual Propel Financing proposal delivered to a California homeowner. System sizes, utility bills, discount amounts, financed amounts, and savings projections are drawn directly from those proposals. The Mission Viejo dual-proposal case study follows in the next section.

Kernville, CA Homeowner

11.07 kW · 27 Panels · 99% Energy Offset · SCE

Utility bill today

$443/mo

Rising ~6%/yr

Propel payment

$271/mo

Fixed - never changes

HardwareQcells 410W + Enphase IQ8HC

Gross system cost$58,219

Propel discount at signing-$22,827

Financed amount$35,392

Loan term25 years, fixed

$146,110

Estimated 25-year net savings

Ojai, CA Homeowner

12.3 kW · 30 Panels · 98% Energy Offset · SCE

Utility bill today

$500/mo

Rising ~6%/yr

Propel payment

$274/mo

Fixed - never changes

HardwareQcells 410W + Enphase IQ8HC

Gross system cost$58,862

Propel discount at signing-$23,059

Financed amount$35,803

Effective rate$0.218/kWh

$194,217

Estimated 25-year net savings

Corona, CA Homeowner

15.99 kW · 39 Panels · 102% Energy Offset · SCE

Utility bill today

$781/mo

Rising ~6%/yr

Propel payment

$348/mo

Fixed - never changes

HardwareQcells 410W + Enphase IQ8HC

Gross system cost$74,383

Propel discount at signing-$28,867

Financed amount$45,516

Loan term25 years, fixed

$303,166

Estimated 25-year net savings

San Jose, CA Homeowner

9.43 kW · 23 Panels · 101% Energy Offset · PG&E

Utility bill today

$322/mo

Rising ~6%/yr

Propel payment

$211/mo

Fixed - never changes

HardwareQcells 410W + Enphase IQ8HC

Propel discount at signingIncluded in proposal

Day-1 monthly savings$111/mo

Loan term25 years, fixed

$86,000+

Estimated 25-year net savings

Mission Viejo, CA: Two Programs Priced on the Same House

This is what a real dual-program comparison looks like. We ran both Propel and Participate on the same SCE home in Mission Viejo. Same 18 panels, same 7.38 kW system, same $426/mo utility bill. The numbers below come directly from the two proposals side by side.

System Design - Same Roof, Different Hardware

Both proposals place 18 Qcells 410W panels on the same roof. The battery hardware differs: Propel uses the Enphase IQ Battery 5P stack. Participate uses a Tesla Powerwall 3 with DCX expansion unit, which integrates the solar inverter and battery in one cabinet. The lower combined hardware cost under Participate brings the starting system price down by about $7,900 compared to Propel.

Propel + Enphase IQ Battery 5P

7.38 kW / Qcells 410W / Enphase IQ8HC microinverters / Enphase IQ Battery 5P (20 kWh)

Participate + Tesla Powerwall 3

7.38 kW / Qcells 410W / Tesla Powerwall 3 + DCX unit (27 kWh total storage)

Where the Discount Gets Applied

This is the most important slide in any Concert Finance proposal. The discount is applied to the starting system price before financing begins. What gets financed is the lower number, which is what determines the monthly payment. Neither homeowner pays the full system price.

Propel: $20,264 discount (37.2%)

$54,540 starting price minus $20,264 = $34,275 financed at 8.49% APR / 25 years

Participate: $15,927 discount (34.1%)

$46,667 starting price minus $15,927 = $30,740 financed at 8.99% APR / 20 years

The New Monthly Picture

The $426 utility bill is replaced by a fixed solar payment plus a small residual grid charge. Both programs drop the total monthly energy cost significantly from day one, with no escalation on the solar payment for the full loan term.

Propel: $279/mo fixed

$279/mo solar payment + $31 residual utility = ~$310 total. Down from $426.

Participate: $292/mo fixed

$292/mo solar payment + $28 residual utility = ~$320 total. Down from $426.

The Gap Widens Every Year

Both charts model the same utility rate at $0.51/kWh with 4% annual escalation. The solar payment stays flat. The utility comparison line keeps climbing. The wider the gap grows, the more the homeowner keeps. Because this address falls outside an Energy Community zip code, Participate's lower starting system price produces more total savings despite the slightly higher APR.

Propel: $100,987 over 25 years

Utility would cost $212,962 over 25 years. Propel total outlay: ~$112,000. Net: $100,987 saved.

Participate: $110,412 over 25 years

Same utility baseline. Participate total outlay: ~$102,000. Net: $110,412 saved. Winner on this address.

All figures drawn from actual proposal documents. 25-year savings are estimates modeled against $0.51/kWh effective rate with 4% annual escalation. Actual results will vary based on usage, system performance, and future utility rates.