Solar panel funding

Fund solar without draining your capital.

Solar panel funding comes down to three routes: buy outright, finance the asset, or let us install it free under a Power Purchase Agreement and just buy the cheaper power. Add the incentives that genuinely exist, 0% VAT for homes, capital allowances for businesses, export payments for everyone, and there is a structure that works for almost any roof.

Three ways to pay

Outright

Upfront: Full cost

Max return

Asset finance

Upfront: None or deposit

You own it

PPA

Upfront: None

We own & maintain

Full comparison below ↓

For any budget

  • Three routes, compared side by side
  • Modelled against your actual bills
  • Finance and PPA can mean £0 upfront

Side by side

Which solar funding route fits your business?

The commercial question is rarely whether solar pays; it is where the cost should sit. Outright purchase is capex with the strongest lifetime return. Asset finance keeps the asset and its tax benefits on your books while repayments track the savings. A Power Purchase Agreement moves the whole thing off your balance sheet: no asset, no liability, just a lower contracted price per unit. We model all three against a year of your consumption data so the comparison is in your numbers.

Outright purchase Asset finance PPA
What you are paying for The system, bought outright The system, paid for over time Only the electricity it makes
Who owns the system You do, from day one You do, with a loan against it We do, for the whole term
Shows on your balance sheet Yes, as an asset Yes, as an asset and a loan No, nothing to record
Upfront cost Full cost None or a deposit None
Tax relief you can claim 50% in year one 50% in year one None, as you spend no capital
Maintenance Your choice of plan Your choice of plan Included, our risk
Electricity cost Free once paid back Free once paid back Discounted, contracted rate
Best for The biggest return over the system's life Owning it without paying upfront A predictable bill and nothing to manage

Finance is subject to status and provided through third-party lenders. Tax treatment depends on your circumstances; confirm details with your accountant.

What happens next

How does a funded solar project work?

Site assessment

We survey the roof or land, check structure and sunlight, and model generation against your consumption.

Funding match

We model outright, finance and PPA against your numbers so you can compare real figures, not brochures.

Permissions & design

Planning checks, structural calcs and the G99 grid application, handled in-house.

Installation

Fitted around your operations with minimal disruption, whatever the funding route.

Generation & monitoring

Live monitoring from day one. Under a PPA we watch it for you; owners can add our maintenance plan.

End of term options

PPA customers extend, buy the system outright, or have it removed. Owners just keep saving.

Funding FAQs

Money questions, straight answers.

Are there government grants for solar panels?

There is no universal government grant that pays for solar panels outright in England. What exists instead is a set of genuinely valuable incentives: 0% VAT on home solar and battery installations until March 2027, Smart Export Guarantee payments for electricity you export, tax reliefs for businesses through capital allowances, and a business rates exemption for onsite renewable generation. Schemes like ECO4 help specific low-income households. Anyone promising 'free government solar panels' for a typical home or business is not telling the whole story.

Can we get solar panels with no upfront cost?

Yes, two ways. A Power Purchase Agreement puts a system on your roof at no capital cost: we install, own and maintain it, and you buy the power it produces at a rate below your grid tariff. Asset finance spreads the cost of a system you own, with repayments typically covered in whole or part by the energy savings. Which suits you depends on whether you want ownership on your balance sheet.

How does a solar PPA work?

We design, install, operate and maintain the solar system on your building at no upfront cost. You pay only for the electricity it generates, at a rate lower than your grid supplier and locked in for the contract term, which protects you from market spikes. At the end of the term you can extend, buy the system outright, or have it removed.

What is asset finance for solar panels?

A loan secured against the solar installation itself, so your existing credit lines and cash flow stay free for the business. You own the system from day one, claim the tax benefits, and structure repayments so the energy savings do the heavy lifting. Finance is subject to status and provided through third-party lenders.

What tax relief do businesses get on solar?

Solar panels qualify for a 50% first-year capital allowance, so half the cost can be set against taxable profits in year one, with the remainder written down after that. Eligible onsite renewable plant, including solar, is also exempt from business rates until 2035. Your accountant can confirm how these apply to your structure; we provide the itemised costs they need.

What is the Smart Export Guarantee?

The Smart Export Guarantee (SEG) requires larger energy suppliers to pay you for renewable electricity you export to the grid. Rates vary by supplier and change over time, so it pays to compare. For most systems we design, using your own power on site is worth more than exporting it, and a battery shifts that balance further in your favour.

Is the 0% VAT on solar ending?

The zero rate of VAT on energy-saving materials, including solar panels and battery storage installed in homes, currently runs until 31 March 2027, after which it is due to revert to 5%. On a typical domestic system that is a saving worth acting on while the window is open. Commercial installations are standard-rated, but VAT-registered businesses reclaim it as normal.

Which funding route is right for us?

As a rule of thumb: choose outright purchase if you have the capital and want maximum lifetime return, asset finance if you want ownership and tax benefits without the capital outlay, and a PPA if you want the lowest-risk route with maintenance included and no debt on the balance sheet. We will model all three against your actual consumption before you decide.

More money questions answered in our FAQ hub.

Let's find your funding fit.

Bring us a recent electricity bill and we'll model all three routes against your actual usage, free.