Propel Financing by Concert Finance applies a 30-40% commercial tax credit discount to your system cost before any loan is issued. Fixed 25-year payment, zero dealer fees, and automatic ownership transfer at year 5.
The traditional solar market has left homeowners stuck with a false choice. Propel Financing by Concert Finance was purpose-built to eliminate both traps at the same time.
Most solar lenders charge dealer fees that get buried inside the financed amount. You end up borrowing more than the system is worth, and paying interest on that markup for decades.
Power Purchase Agreements can make the monthly number look attractive, but you're renting electricity, not building any equity. And those escalator clauses mean your "savings" shrink over time.
The 30% residential solar tax credit expired at the end of 2025. Most homeowners can no longer access it, unless they use a solar energy service agreement or prepaid lease that routes through the commercial ITC.
Concert Finance temporarily holds commercial ownership of the solar system for five years. That commercial structure unlocks federal clean energy tax credits and accelerated depreciation, savings passed directly to the homeowner as an upfront discount.
For years one through five, Concert Finance holds the system commercially. This unlocks commercial-tier tax credits unavailable to residential homeowners after 2026.
The tax credit value, typically 30–40% of the system cost, is passed to you as an upfront discount before a single dollar is financed. You borrow less from day one.
Your Propel payment is fixed for 25 years. No escalator, no dealer-fee inflation, no surprises. You know exactly what you'll pay for the life of the loan.
At the end of year five, full ownership transfers to you. The system is yours outright, adding to your home's appraised value and producing power at zero marginal cost.
Built by Concert Finance exclusively for authorized partners like Solar-Advisors.org. See full Propel Financing details →
Applied before any financing. Higher in designated Energy Communities. Passes the commercial tax credit value directly to you.
Locked from day one. Never escalates. Your Propel rate today is your Propel rate in year 25.
Concert Finance holds temporary commercial title, then transfers full ownership to you at the five-year mark.
Pay off the loan early at any time with no fees. Accelerate ownership on your own schedule.
Restructure the loan up to three times over the term as your situation changes. Rare in the solar lending market.
Unlike most solar loans, no dealer markup is buried inside your financed amount. You're borrowing the real system cost.
A low year-one payment is not the same as the best long-term value. See the full California solar financing comparison or our solar energy service agreement comparison.
| Feature | ⚡ Propel Financing | Traditional Loan | PPA / Lease |
|---|---|---|---|
| Money out of pocket | $0 to start | Often required | $0 to start |
| Dealer fees in price | None, Propel discount applied first | Yes, often significant | N/A |
| Payment escalation | Fixed, never increases | Fixed | 1–3%/year common |
| Upfront discount | ~30–40% Propel discount at signing | No | No |
| Ownership | Transfers at year 5 | Immediate (inflated cost) | May never own |
| Prepayment penalty | None, pay off any time | Often yes | N/A |
| Federal tax credit access | 30–40% captured via commercial structure | 30% (homeowner claims, if eligible) | Not available to homeowner |
| Home value impact | Positive, builds equity | Positive | Complex, lease transfer required |
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Utility rates have risen ~6% annually for decades. The chart below shows what staying on the grid actually costs, vs. locking in a fixed Propel payment today.
The blue line is money back in your pocket with Propel. The red dashed line is the growing cost of doing nothing. Break-even hits around year 10–11, then savings compound rapidly.
No generic quotes. Every Propel Financing proposal is custom-built using satellite imagery of your roof, your local utility rate, and your real usage history.
We show your current utility bill side-by-side with your proposed fixed Propel payment, including projected 25-year savings and your residual utility bill.
Your Propel proposal shows a custom satellite-based system design alongside a monthly production chart and full energy offset calculation.
Every number in your Propel proposal is specific to your home, your roof, and your utility rate, not a neighborhood average.
Each Propel proposal is built from satellite imagery, local utility data, and real consumption history.
Built from real utility rates, real roof data, and real consumption history.
Once you're approved for Propel Financing, we manage every stage and keep you updated through a dedicated app.
We aren't just another solar broker. Solar-Advisors.org is one of a select number of installers authorized to offer Propel Financing by Concert Finance.
Propel Financing requires a 660 FICO score and a monthly payment. If neither fits your situation, Participate Energy's Prepaid Lease may be the better path. One upfront payment, no credit check, no monthly bill, and Tesla Powerwall 3 available as a battery option.
If your home is in an IRS-designated Energy Community zip code, Propel's 39.2% discount is hard to beat. Fixed payment, year-5 ownership, zero dealer fees.
In standard 30% ITC markets, Participate Energy's Prepaid Lease often prices better, especially with a Tesla Powerwall 3 and no credit requirement.
Get a custom Propel Financing savings report built from satellite imagery, your local utility rate, and your actual energy usage. Free, no obligation, and specific to your home.