Asset finance
Solar panel finance that pays its own way
Asset finance lets your business own a solar installation without the capital outlay. The loan is secured against the panels themselves, your existing credit lines stay untouched, and repayments are structured so the energy savings carry most or all of the cost. You keep the tax benefits, the export income and everything the system generates for decades after the loan ends.
For businesses
- Own the system from day one
- Secured on the asset, credit lines untouched
- Savings sized to cover repayments
Why finance
Why finance solar panels instead of buying outright?
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Cash flow stays in the business
Capital keeps working on stock, staff and growth while the roof starts cutting your bills.
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Secured on the asset, not the business
The installation itself is the security, so existing facilities and credit lines are unaffected.
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Ownership and tax benefits from day one
You claim the 50% first-year capital allowance and the business rates exemption as the owner.
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Savings offset repayments
We size the system and the term so generation savings cover most, sometimes all, of the monthly cost.
Worked example
What do the numbers look like?
Illustration: 100 kWp over 7 years
example- Monthly repayment
- Fixed for the term
- Monthly energy saving
- Sized to cover it
- Year-one tax relief
- 50% first-year allowance
- After year 7
- Generation is all yours
Figures depend on your consumption, tariff and roof; we model your actual numbers before you commit. Finance subject to status via third-party lenders; GTP is not a lender. Confirm tax treatment, including capital allowances, with your accountant.
Finance FAQs
What should you check before you sign?
Can I get solar panels on finance with no deposit?
Sometimes. Asset finance can fund the full installation cost with nothing down, but that is the lender’s decision and is subject to status. Where a deposit strengthens the terms, we will show you both versions side by side.
Does solar panel finance affect other borrowing?
Usually no. Because the loan is secured against the solar installation itself, your existing overdrafts, mortgages and credit facilities are normally unaffected. Lenders assess the deal primarily on the asset and the savings it produces.
What happens if we sell the building?
Options typically include settling the finance from the sale, transferring the agreement, or relocating equipment in limited cases. The system usually adds to the property value and its EPC rating, which helps the sale itself.
Is leasing solar panels the same as asset finance?
No. They are related but different. With asset finance (hire purchase style) you own the system at the end. A lease keeps ownership with the lessor, which changes the tax treatment. We will walk you through both, and a PPA, so you can compare like for like.
Prefer zero debt on the balance sheet? Look at a Power Purchase Agreement instead, or compare all routes on our funding hub. Asset finance typically funds commercial solar installations.
See your repayment vs your saving.
Send us a recent bill and we'll model a financed system against your real consumption, free and without obligation.