In short
Solar financing funds a solar panel installation through project-specific financing coordinated with your installer, equity-based options, or a renovation loan, so you can go solar and capture energy savings without paying the full cost upfront. It falls under the broader home improvement and contractor financing program.
Reviewed by Christian Penner, NMLS #368289 · Last updated July 7, 2026
How can I finance a solar panel installation?
You can finance solar panels through several approaches, including project-specific solar financing coordinated with your installer, equity-based options that tap your home's equity, or rolling the system into a renovation loan. The right path depends on the system size, your equity, and your goals. Financing lets you install solar and start capturing energy savings without paying the full cost upfront, and it falls under our broader home improvement and contractor financing program.
Key takeaways
South Florida gets plenty of sun, and solar can turn that into long-term energy savings, but the upfront cost stops many homeowners. Our team helps homeowners across the communities we serve finance solar installations so you can go solar without a large cash outlay. Solar financing is part of our broader Home Improvement & Contractor Financing program, and we shop a broad network of lenders to find the right structure.
Put the Sun to Work
Solar is one of the more popular upgrades in South Florida for a simple reason: the sunshine is abundant, and reducing your energy costs over time is appealing. The barrier is usually the upfront price of a system. Financing removes that barrier so you can install solar now and let the savings build. Our team makes it simple. Where other lenders stop, we keep working.
Why Homeowners Finance Solar
- Energy savings — Offset utility costs over the life of the system
- No large upfront outlay — Install now instead of waiting years to save the full cost
- Home upgrades — Modernize your home with a clean-energy improvement
Ways to Structure It
Solar financing can be arranged as project-specific financing coordinated with your installer, an equity-based option using the equity you've built, or part of a larger renovation loan if you're bundling other work. We compare these so you get a structure that fits, not just the first offer.
Coordinated With Your Installer
Our team can align the financing with your solar installer's timeline and scope, so the money and the project move together. Our construction background helps us understand how these installations come together.
Part of a Bigger Toolbox
Solar financing is one piece of our Home Improvement & Contractor Financing program. Pairing solar with a new roof or other upgrades? We can structure them together so the whole project is covered.
Let's Go Solar
Send us your system scope, and our team will help you finance it so you can start saving. Let's find the best path forward.
All program details and figures on this page are illustrative examples for general education only and are not an offer to lend. Program availability, pricing, and guidelines vary and are subject to change. Contact our team for current details specific to your situation.
Quick facts
- Project type
- Solar panel installation
- Common goal
- Offset energy costs over time
- Structures
- Project-specific, equity-based, or renovation
- Installer coordination
- Available
- Umbrella program
- Home Improvement & Contractor Financing
- Amount
- Varies by system size — ask for current figures
Is this loan right for you?
Who it's for
- Homeowners who want to install solar and lower energy costs
- Owners who prefer to finance rather than pay a large upfront sum
- Homeowners bundling solar with a roof or other upgrades
- Anyone modernizing their home with clean energy
- South Florida homeowners taking advantage of abundant sun
Who it may not fit
- Homeowners not planning a solar installation
- Projects without a defined system scope or qualified installer
Pros and cons
Pros
- Install solar without a large upfront outlay
- Helps offset utility costs over the system's life
- Multiple structures to fit your system and equity
- Can be coordinated with your installer's timeline
- Part of a broader home improvement financing toolbox
Trade-offs to weigh
- The best structure depends on system size and equity
- Requires a defined scope and qualified installer
Frequently asked questions
Can I finance solar without paying upfront?
Yes. That's the point of solar financing. You install the system now and pay over time instead of covering the full cost at once, letting the energy savings build. We'll match you with a sensible structure.
How is solar financing structured?
It can be project-specific financing with your installer, an equity-based option, or part of a larger renovation loan. We compare these for your system and goals.
Can you finance solar along with a new roof?
Yes. Solar and roofing often go together, and both sit under our Home Improvement & Contractor Financing program, so we can structure them as one project.
Do you coordinate with my solar installer?
We can align the financing with your installer's scope and timeline so the money and the work move together. Our construction background helps here.
How much can I finance for a solar system?
It depends on the system size, structure, and your equity or profile. Ask our team for the current figures for your project.
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Last updated July 7, 2026 · Reviewed by Christian Penner, NMLS #368289. This page is educational and not a commitment to lend; program details change — ask for current figures.