​Solar Finance Options to Meet Your Needs

Whether your business has a  tax appetite and prefer a cash deal, term debt, or you want to leverage a zero-down solar operating lease agreement, Emergent Solar's commercial solar financing will work with you to maximize your finance goals. We have an experienced in-house team ready to guide you through the cash flow analysis and weigh the options.
​For years, we have helped Indiana businesses invest in solar. One of the ways we help you maximize your investment by making the right decision about project financing. Financing solar can prove to be a daunting task for many potential businesses that wish to make the switch. Traditional banks are generally disinterested in financing solar projects due to the perceived lack of collateralization. This is where we have learned over years of experience that government guaranteed lending products can fill this void and allow otherwise qualified commercial borrowers to be able to finance solar with longer amortization and competitive terms. We have the experience, expertise and relationships with agency approved banks and commercial lenders that allow us to offer financing solutions to our clients at more favorable terms and with a straightforward and streamlined process. 

Comparing the Emergent Solar Project Financing Options

SBA 504 Solar Loan

The Small Business Administration offers financing for solar energy projects through the SBA 504 Green Loan program. This loan is for qualifying businesses that need a low down payment option and extended terms. This debt facility is generally amortized for 15 years at a competitive fixed interest rate. This is excellent option for Indiana businesses that want to own their project and can make use of all the available solar tax credits and incentives.

Solar Operating Lease

Emergent Solar offers commercial clients an 84 month solar operating lease that allows commercial clients to maximize the investment tax credit and MACRs depreciation. This results in path to ownership at a substantially lower monthly payment since the tax incentives are taken by Emergent Solar thereby discounting the financed amount. This option is an excellent choice for Indiana businesses with a limited tax appetite.

USDA REAP Loan

USDA Rural Energy for America Program (REAP) helps commercial borrowers finance large solar energy projects. The REAP loan has fixed or variable interest rates with up to 30-year straight-line amortizing debt facilities and can be utilized with rural Indiana agricultural, small utility, or industrial scale projects. The USDA REAP program provides for up to $25 million in term debt and can be coupled with the USDA’s Business and Industry program as necessary.

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Emergent Solar Energy is Indiana's Leader in Commercial Solar Solutions

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