Current Home Energy — Pricing Tool

Propel

Propel is a prepaid PPA structured as a loan. For the first 5 years, a third party owns the system and the customer makes fixed monthly payments — just like a PPA. At Year 5, ownership automatically transfers to the customer. Payments never change and there is no escalator.

Energy community checker — California

Use the Baker Tilly map to check if the customer's address qualifies for the 40% tax credit instead of the standard 30%. This will be directly applied to their loan.

Open Baker Tilly energy community map

How It Works

Loan kicks in on the day the system is installed and monthly payments begin immediately

A third party technically holds ownership of the system for the first 5 years — this is what allows the tax credit benefit to be built into the loan pricing

First payment is due 75 days after installation is complete

At Year 5, ownership transfers automatically to the customer — payment stays exactly the same

At Year 25, the loan is fully paid off and the customer owns the system free and clear

Credit & Eligibility

660+ FICO score required (TransUnion)

Maximum loan: $135,000

Loan must be signed within 60 days of credit approval

Credit approval valid for 180 days

3 re-amortization opportunities — at months 12, 24, and 36

No prepayment penalties

Borrower must own the home and roof

Co-borrowers must live in or own the property

Always pre-qual the customer first — their monthly payment is based on their credit tier and the final loan amount.

Loan Rates — 25-Year Term

Excellent credit: 7.79% APR

Very Good credit: 8.79% APR

Good credit: 9.79% APR

Property Requirements

Eligible

Single-family residential (permanent foundation, owned land)

Multi-unit up to 4 units (separate deeds require separate loans)

Mobile/manufactured homes — requires recorded Affidavit of Affixation or Mobile Home Affixation Certificate, OR photos of address and ground anchoring system

Primary, rental, vacation, and secondary homes

Homes under trusts or LLCs (certain criteria apply)

Leased land — minimum 99-year lease term; Lease Land Agreement required

Not Eligible

Tribal land

New construction prior to borrower occupancy

Roof Requirements

Minimum 10 years of remaining lifespan required

Approved

Asphalt/comp shingle

Corrugated metal

Standing seam metal

Concrete/cement tile

Clay tile (composition backfill only)

EPDM

Modified bitumen/ModBit

Coated roofs

Not Approved

Clay tile (direct install)

Slate

TPO

PVC

SPF

Tar and gravel

Metal tiles/metal shingles

Clay tile: Tiles must be removed, shingles laid underneath, solar installed, then tiles replaced around the array. Direct installation on clay tile is not permitted.

System Requirements

System must be installed on the permanent rooftop, detached garage, or detached dwelling only

HOA approval letter required where applicable

Must connect to cellular or WiFi; properties outside WiFi range require a cellular modem with strong signal

Equipment

Q-Cells Module

Enphase Microinverters

Enphase Storage

Warranties & Guarantees

Performance Guarantee (≥85% estimated output): 5 years

Operations & Maintenance: 5 years

Workmanship: 5 years

Roof Penetration: 10 years

Energy Storage Monitoring: 15 years

Solar System Monitoring: 25 years

Sales Process

1. Use the Baker Tilly energy community map to check if the address qualifies for the 40% tax credit (vs. standard 30%)

2. Log in to the Concert Finance portal: switch.concertfin.com

3. Go to Product Comparison, select Project Type: Propel. If energy community eligible, select that option. Enter pricing using Propel Deal Pricing logic — default assumes Very Good credit (8.79% APR)

4. Run a QuickCheck (soft pull) to pre-qualify and determine credit tier and monthly payment

5. Submit the full application. Customer signs CA disclosures, prepaid energy agreement, installation agreement, and loan note

6. Customer enters payment method details

7. Upload a complete utility bill — missing pages, poor image quality, or past-due balance will cause funding delays

8. Customer completes the Verification Call — make sure they have ready: installation address, borrower name(s), phone and email on file, loan amount and term, APR and ACH enrollment status, application number and loan number

Example Verification Call Transcript

Question

Confirm the complete address where the system will be installed is 3214 NW Loraine St, Fort Worth, TX 76106.

Answer

Yes

Question

Are the names of the borrower(s) on the account: Jordan Tallman Notify?

Answer

Yes

Question

Is the primary borrower's phone number (734) 883-8340?

Answer

Yes

Question

Is the primary borrower's email address on file?

Answer

Yes

Question

Have you received, reviewed and signed your Energy Services Agreement (ESA) and Installation Agreement?

Answer

Yes

Question

By signing your ESA, you've elected the Early Buyout Option (EBO), which means you'll purchase your system automatically following the end of Contract Year 5. You've chosen to finance the cost of this purchase through a loan, which allows the Early Buyout Funds to be paid on your behalf after 5 years. The EBO represents the best purchase price for system ownership under the terms of your ESA. Please confirm your understanding.

Answer

Yes

Question

Under your ESA, the system will be owned by SolSource, but your loan includes the Early Buyout funds to cover the automatic transfer of ownership to you after Year 5. Any tax credits or incentives associated with the system will belong to SolSource in their capacity as owner. Please confirm your understanding of ownership.

Answer

Yes

Question

SolSource provides a Performance Guarantee for the first 5 years, and every two years, they will review your system's performance. If it's below the guaranteed production, you will receive a refund to compensate for this difference. To receive the Performance Guarantee, you must maintain a working high speed Internet connection to the monitoring device of your system. Please confirm your understanding of the Performance Guarantee.

Answer

Yes

Question

Have you received, reviewed and signed your loan agreement and Right to Cancel Form?

Answer

Yes

Question

Please confirm the term of your loan agreement.

Answer

25 years

Question

Please confirm the total amount financed per your loan agreement.

Answer

[loan amount]

Question

Under the terms of your loan agreement, you may cancel at any time without penalty prior to midnight of the cancellation date. Business days do not include Saturdays, Sundays or federal holidays. Please confirm that you understand your cancellation deadline.

Answer

Yes

Question

The APR for your financing term is [rate]%. If you've signed up for recurring ACH payments at the time you signed your loan agreement, the APR will be discounted by 0.5%. If you've signed up to make payments via check or non-recurring ACH payments, your APR will remain at the standard rate. You may change your recurring ACH enrollment status at any point. Do you understand your payment options?

Answer

Yes

Question

Under your loan agreement, the loan has three reamortizations at pay periods 12, 24, and 36. If you prepay the principal balance in advance of any reamortization date, your scheduled monthly payments may be reduced. You are not obligated to make any lump sum prepayments; this is optional. Please confirm your understanding.

Answer

Yes

Question

Do you understand that any estimates regarding your potential electric bill savings and future increases in electricity prices are simply projections, not a guarantee?

Answer

Yes

Question

Do you understand that you will have utility charges separate from your loan payment, and may still have to purchase additional electricity from the utility company based on your energy consumption?

Answer

Yes

GoodLeap

GoodLeap is a PPA — the homeowner never owns the system. GoodLeap owns it, installs it, and maintains it for the full 25-year term. The customer pays for the power the system produces each month at a rate below what they'd pay the utility. Plans include a fixed annual escalator from 0% to 3.59%, agreed upon at signing.

How It Works

GoodLeap owns the system for the entire 25-year term — the customer never takes ownership

The customer pays a fixed monthly rate for the electricity the system produces, not for the system itself

The rate is set below the customer's current utility cost and includes a fixed annual escalator (0%–3.59%) chosen at signing

GoodLeap is responsible for all maintenance, repairs, and monitoring for the full term

NTP must be obtained within 60 days of the credit check — GoodLeap will cancel the project if not met

After five years on the agreement, customers have the option to buy the system outright — the price is based on either the fair market value or the scheduled contract price, whichever is higher; GoodLeap pays for the appraisal; the buyout price drops every year, so the longer the customer stays on the agreement, the cheaper it gets to own the system

Credit & Eligibility

Minimum 680 FICO

No income, DTI, or PTI requirements

At least one applicant must be on title

Owner-occupied and second/vacation homes eligible

Property Requirements

Eligible

Single-family homes

Duplexes/triplexes — customer must own the roof/attic space and the wall where electrical equipment is installed

Townhomes — customer must own the roof/attic space and the wall where electrical equipment is installed

Not Eligible

Manufactured homes

Pergolas, carports, and covered patios

Ground mounts

Roof Requirements

Minimum 10 years of remaining lifespan required

Approved

Asphalt/comp shingle

Corrugated metal

Standing seam metal

Concrete/cement tile

Clay tile (composition backfill only)

EPDM

Modified bitumen/ModBit

Coated roofs

Not Approved

Clay tile (direct install)

Slate

TPO

PVC

SPF

Tar and gravel

Metal tiles/metal shingles

Clay tile: Tiles must be removed, shingles laid underneath, solar installed, then tiles replaced around the array. Direct installation on clay tile is not permitted.

System Requirements

System must be installed on the permanent rooftop, detached garage, or detached dwelling only

Solar offset up to 110% — approved

Solar offset 111–150% — allowed with signed homeowner acknowledgement form

Solar offset above 150% — not permitted

Battery Sizing — based on annual solar production (kWh/yr)

Battery	0–5k	5–10k	10–15k	15–20k	20–25k	25–30k
Enphase 10C	1	1	2	2	3	3
Tesla Powerwall	1	1	2	2	3	3

Equipment

Q-Cells Module

Enphase Microinverters

Enphase Storage

Warranties & Guarantees

System Warranty (materials & components): 25 years

Performance Guarantee (≥85% estimated output; shortfall paid to customer): 25 years

Roof Protection: 10 years

Sales Process

1. Sell the project entirely through Aurora in Sales Mode

2. NTP must be obtained within 60 days of credit check — GoodLeap will cancel the project if not met

If the utility bill shows a past-due balance of $1,000 or more, the project will be rejected. The account must be fully paid and current before you can proceed.

If the utility bill shows a disconnection or shut-off notice, the project will be rejected regardless of the past-due amount. The account must be fully paid, active, and free of any notices before you can proceed.

LightReach

LightReach is a PPA offered through Palmetto — the homeowner never owns the system. Palmetto owns, installs, and maintains it for the full 25-year term. The customer pays a fixed monthly rate for the power produced, set below their current utility cost. Plans include a fixed annual escalator from 0% to 3.59%, chosen at signing.

How It Works

Palmetto owns the system for the entire 25-year term — the customer never takes ownership

The customer pays a fixed monthly rate for the electricity the system produces

The rate is set below the customer's current utility cost and includes a fixed annual escalator (0%–3.59%) chosen at signing

First payment is typically due 30 days after PTO is granted and meaningful production is measured

Customers receive their first bill approximately 15 days after PTO

30-day billing cycles with 15-day payment terms

A customer can purchase the system starting in year 6, if they sell their home during the term, or at the end of the 25 years — the buyout price is based on fair market value determined by a third-party appraiser at the time of purchase

Credit & Eligibility

Minimum 670 FICO (higher of TransUnion and Equifax)

No bankruptcies in the last 7 years

DTI not factored

Homeowner must be on title

Monthly Payment Caps by Credit Tier

FICO Range	Monthly Payment Cap
670–684	$215
685–699	$255
700–724	$295
725+	$500

Property Requirements

Eligible

Single-family detached homes (residential meter, zoned, and use)

Detached garage / guest suite — approved when code compliant and structurally sound

Duplexes/triplexes — customer must own the entire property

ADUs — installation site, meter number, and address must all match the utility bill and contract

Not Eligible

Townhomes

Condos and apartments

Carports and pergolas

Home additions

Ground mounts

Overhang porches

Manufactured and mobile homes

Any other irregular structure

Roof Requirements

Minimum 10 years of remaining lifespan required

Approved

Asphalt/comp shingle

Corrugated metal

Standing seam metal

Concrete/cement tile

Clay tile (composition backfill only)

EPDM

Modified bitumen/ModBit

Coated roofs

Not Approved

Clay tile (direct install)

Slate

TPO

PVC

SPF

Tar and gravel

Metal tiles/metal shingles

Clay tile: Tiles must be removed, shingles laid underneath, solar installed, then tiles replaced around the array. Direct installation on clay tile is not permitted.

System Requirements

Add-on (additional panels on same inverter & meter) — not permitted under any circumstances

2nd System (new inverter, same meter) — available in LADWP only

Separate System (different meter, different utility account) — acceptable

Trees must be fully accounted for in the system design or fully removed by activation — tree trimming is not considered

Equipment

Q-Cells Module

Enphase Microinverters

Enphase Storage

Warranties & Guarantees

System Warranty (workmanship, materials, components — repair/replace at no cost): Full 25-year term

Roof Penetration: 10 years, or length of existing roof warranty — whichever is longer

Production Guarantee: LightReach guarantees a specific kWh output written into the agreement — every three years, actual production is checked against that number; if the system falls short, the customer is credited for the difference; any surplus carries forward to offset future shortfalls; runs the full 25-year term

Sales Process

1. Enter system details and generate a quote in the portal: palmetto.finance

2. Submit the credit application

3. Press Title Verification to verify the homeowner is on title

4. Obtain a photo of the homeowner's driver's license and upload it

5. Upload a complete utility bill — missing pages, poor image quality, or a past-due balance will cause funding delays

6. Homeowner receives a link from Palmetto LightReach and must complete all steps on the customer portal before the project can move to NTP: sign the agreement, complete account sign-up, enter payment method, and complete the Clear Facts Disclosure

Concert Finance

Concert Finance is a direct solar loan. The homeowner borrows the money to purchase the system outright, owns it from Day 1, and repays the loan in fixed monthly installments. Flexible terms, risk-based pricing, and the option to roll in home improvement costs alongside solar.

How It Works

Loan secured by UCC-1 Fixture Filing — no lien on the home itself

Customer owns the system from Day 1

First payment due approximately 75 days after substantial completion

3 re-amortization opportunities after months 12, 24, and 36

Up to 45% of the loan amount can be used for home improvements unrelated to solar (HVAC, generator, insulation, water heater)

Credit & Eligibility

660+ FICO (TransUnion only)

Loan must be signed within 60 days of credit approval

Credit approval valid for 180 days

Solar+: up to $135,000 | Battery only: up to $67,500 | Minimum: $10,001

Terms available: 5, 10, 12, 15, 20, and 25 years

Borrower must own the property; co-applicants must be an owner or resident

Loan Rates

Standard: 9.99% APR (available to all qualified borrowers)

Risk-based pricing (RBP): 7.99%–10.99% — lower rates available to higher FICO borrowers

Property Requirements

Eligible

Single-family residential zoned properties

Multi-unit up to 4 units

Permanent foundation on owned land

Rental, vacation, and secondary homes

Homes under trusts or LLCs (certain criteria apply)

Must connect to cellular or WiFi; cellular modem required for properties outside WiFi range

Roof Requirements

Minimum 10 years of remaining lifespan required

Approved

Asphalt/comp shingle

Corrugated metal

Standing seam metal

Concrete/cement tile

Clay tile (composition backfill only)

EPDM

Modified bitumen/ModBit

Coated roofs

Not Approved

Clay tile (direct install)

Slate

TPO

PVC

SPF

Tar and gravel

Metal tiles/metal shingles

Clay tile: Tiles must be removed, shingles laid underneath, solar installed, then tiles replaced around the array. Direct installation on clay tile is not permitted.

System Requirements

New installations only — second systems are not permitted unless the property has a separate meter and utility account

For battery-only projects, loan term cannot exceed the battery warranty length

Must connect to cellular or WiFi; cellular modem required for properties outside WiFi range

Equipment

All options in stock available

Warranties

Workmanship: 25 years

Panel manufacturer warranty: 25 years (typical)

Inverter manufacturer warranty: 15–25 years (typical)

Roof penetration: 15 years

Sales Process

1. Log in to the Concert Finance portal: switch.concertfin.com

2. Go to Product Comparison, select Project Type: Solar+. Enter the amount to be financed — default assumes Very Good credit (9.99% APR; lower rates available based on credit tier)

3. Run a QuickCheck (soft pull) to pre-qualify and determine the customer's credit tier and monthly payment

4. Once the rate and program are agreed upon, submit the full application. Customer signs all required loan documents

5. Customer enters payment method details

6. Upload a complete utility bill — missing pages, poor image quality, or a past-due balance will cause funding delays

Cash

The homeowner pays the installer directly for the full cost of equipment and installation. No monthly payments, no financing, no third party. Once installed and paid for, the customer owns the system outright and keeps 100% of the energy savings going forward.

How It Works

The customer pays the full cost of the system directly — no loan, no monthly payments

Ownership begins on the day of installation

A $1,000 deposit is collected at signing to initiate the project

50% of the total is due at install scheduling to cover materials

The remaining 50% is due on the day of installation

The customer keeps 100% of the energy savings from day one and is eligible to claim the federal tax credit directly

Credit & Eligibility

No credit or income requirements

No property restrictions

Property Requirements

Eligible

No property restrictions — all viable properties qualify

Roof Requirements

Minimum 10 years of remaining lifespan required

Approved

Asphalt/comp shingle

Corrugated metal

Standing seam metal

Concrete/cement tile

Clay tile (composition backfill only)

EPDM

Modified bitumen/ModBit

Coated roofs

Not Approved

Clay tile (direct install)

Slate

TPO

PVC

SPF

Tar and gravel

Metal tiles/metal shingles

Clay tile: Tiles must be removed, shingles laid underneath, solar installed, then tiles replaced around the array. Direct installation on clay tile is not permitted.

System Requirements

No system restrictions

Equipment

All options in stock available

Inverter manufacturer warranty: 15–25 years (typical)

Roof penetration: 15 years

Sales Process

1. Sign the agreement

2. Collect the $1,000 deposit