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Solar Purchase

Economically, going solar today is the smartest investment you can make. Purchasing your solar system outright will help you save money. No finance charges, no interest, no payments. With banks offering less than 1% on your money, saving on rising energy costs is the smartest investment you can make.

Purchasing your solar system also entitles you to receive all possible rebates and incentives along with your 30% federal tax credit.

Solar Lease Program

The solar industry has consistently expanded over the years and continues to expand each and every year. With this expansion, many solar companies and financial institutions have created specialized lease programs.

Pros: Lease programs offer zero out of pocket costs and set rates locked in for 15 to 30 years. Even though there is a 2 to 3.5% annual increase, it is still cheaper than paying your utility bill.

Why Not Lease: As you prepare to sign a long-term lease, you must have all the information to fully understand all your advantages vs. disadvantages. A major disadvantage of a lease program is the inability to benefit from all rebates, incentives and federal tax credits.

Solar Financing

Numerous financial institutions have created special solar financing programs. Banks like Admirals or Mosaic are of the two most commonly used financing programs available.

An alternative to the above-mentioned banks, you can obtain a secured line of credit or unsecured loan depending on your credit and qualification.


HERO is an acronym that stands for: Home Energy Renovation Opportunity.

HERO provides financing for eligible energy efficient, water efficient, and renewable energy products.

HERO finances 100% of the cost to purchase and install eligible products. HERO offers low, fixed interest rates with amortization periods of 5, 10, 15, or 20 years and, unlike other financing options, there are no credit score requirements and repayments are made through your property taxes, with the interest being tax deductible. Additionally, if the property is sold before the HERO assessment is paid in full, the remaining payments can legally be passed on to a new property owner (please see the “Real Estate Transactions” section below for more details).

Hero is a program set in place to help homeowners get Solar with zero out of pocket and own the system. The payback of Hero is simple and geared to help the homeowner. Payments are added to your property taxes and you can have an option of paying the payments once or twice a year.

The repayment of HERO Financing is included in your property tax bill, which is delivered and collected by the county. You will see a line item titled HERO Financing on your property tax bill. If you make property tax payments through an impound escrow account, your lender will adjust your monthly payment to include the amount due for HERO Financing.


Property Assessed Clean Energy (PACE) is a financing option available to Los Angeles County commercial, industrial and multi-family property owners to fund on-site energy efficiency, renewable energy and water-saving improvements that enhance a building’s value while lowering greenhouse gas emissions and creating jobs. A unique financing tool, PACE allows the county to issue a bond to a lender, which secures funding for the construction of an energy upgrade. Property owners then repay financing twice a year through an assessment on their property tax bill.

PACE financing allows commercial property owners to finance up to 100 percent of the cost of installing energy efficiency, renewable energy and water-saving improvements, and enjoy the benefits of lower energy and water bills immediately. Loans are repaid through an assessment placed on property tax bills.

Types of Properties that qualify under PACE:

  • Commercial Offices
  • Industrial Facilities
  • Apartment Buildings
  • Retail/Restaurants
  • Hotels
  • Faith-based Buildings and Nonprofits

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