Financing Commercial Solar
SES has partnered with Sunstone Credit to offer purpose-built commercial solar financing for businesses of all sizes. Sunstone loans range from $50,000 to $30 million, with terms up to 20 years, fixed rates, no prepayment penalties, and 100% financing available — so you can go solar with little to no money down. The application process is fully online and designed for speed, with faster credit decisions and less paperwork than traditional lending.
For property owners in eligible localities, Property Assessed Clean Energy (PACE) financing offers another compelling option. PACE allows you to fund your solar installation through a property tax assessment, spreading repayment over the life of the system — typically 10 to 25 years. Payments are tied to the property rather than the owner, making them transferable upon sale. PACE availability varies by state and municipality; SES can help you determine whether your project qualifies.
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Financing Residential Solar
One of the most straightforward ways to finance a home solar system is through a Home Equity Line of Credit (HELOC) from your existing bank or lender. Because a HELOC uses your home’s equity as collateral, it typically offers lower interest rates than unsecured personal loans. Additionally, the interest may be tax-deductible. If you’ve built up equity in your home, this can be a simple, cost-effective path to solar ownership. We recommend speaking with your bank or credit union to explore current HELOC rates and terms.
SES has also partnered with Clean Energy Credit Union, a nonprofit, mission-driven lender dedicated exclusively to clean energy financing. Their solar loans offer competitive fixed rates, terms up to 20 years, no prepayment penalties, and up to 100% financing — meaning no money down in many cases. Clean Energy Credit Union also offers a Rate Promise, guaranteeing your rate can only go down before your loan closes. As a registered dealer partner, SES customers have direct access to their lending programs.
