Every financing option. One platform. Zero complexity.
Closing a solar deal often comes down to financing. Homeowners want affordable monthly payments. Commercial clients need flexible terms. Installers need a platform that makes it all seamless — from quoting to credit approval and contract signing.
That's exactly what Solargraf delivers as a part of their financing capabilities.
Solargraf has partnered with the industry's most trusted financing providers and built everything directly into the platform installers already use to design and propose solar projects. Quote a monthly payment, run a credit check, get an approval, and sign the contract — all without jumping from one platform to another.
Here's how it all works.
What financing options are available?
Solargraf gives installers access to every major financing type in the solar industry — so no matter what a customer's situation looks like, there's an option that fits.
Residential solar financing
Solar loans
The most popular choice for homeowners who want to own their system. Solar loans offer fixed monthly payments over a set term, and homeowners build equity from day one. Solargraf supports a wide variety of loan structures — standard fixed-payment loans, deferred payment options that give homeowners a grace period before payments begin, and gradually increasing payment plans for customers who expect their energy savings to grow over time.
Third-Party Ownership (Leases & Power Purchase Agreements)
With the federal Residential Clean Energy Credit (Section 25D) no longer available for systems placed in service after December 31, 2025, many homeowners are looking for solar options that don't require a large upfront investment or reliance on tax incentives. Under a TPO arrangement, a financing company owns the solar system and the homeowner simply pays to use it. There are a few variations to this:
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Solar leases — The homeowner pays a flat monthly amount for the system, regardless of how much energy it produces. Simple, predictable, and easy to understand. Solargraf also supports combined solar and battery leases for whole-home energy solutions, and standalone battery leases for homeowners who already have panels but want to add storage.
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Power Purchase Agreements (PPAs) — The homeowner pays per kilowatt-hour of energy the system actually produces — often at a rate lower than their current utility bill. The more the sun shines, the more they save.
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Pre-paid lease — A prepaid solar lease allows homeowner to pay the full cost of solar system upfront—or finance that payment—while ownership and maintenance remain with a solar company for a set initial period. Once that period ends, they have the option to purchase the system outright.
Commercial solar financing
Solargraf isn't just for residential projects. Installers serving businesses, nonprofits, schools, or commercial properties can offer commercial solar loans and leases with flexible terms and payment structures — including deferred payment options where businesses pay less upfront and more once the system is generating savings.
Need to model a one-of-a-kind deal or financing from a local credit union ? Solargraf's built-in custom financing builder lets installers create any financing product from scratch. Set custom terms, payment schedules, promotional periods, escalators, and fees. If a deal structure exists, it can be built.
Who are the financing partners?
Solargraf integrates with the solar industry's most trusted financing providers. Installers connect their lender account once, import products with a single click, and they're ready to go.
| Partner | Solar Loans | Leases & PPAs | Commercial | Pre-paid Lease |
| GoodLeap | ✅ | ✅ | ||
| Dividend | ✅ | |||
| Concert Finance | ✅ | ✅ | ✅ | |
| EnFin (Qcells) | ✅ | |||
| LightReach (Palmetto) | ✅ | |||
| BMO Bank | ✅ |
Every integration pulls real-time pricing and product data directly from the lender — so the numbers on every proposal are always accurate, and installers never have to manually update rates or terms.
How Solargraf makes financing effortless
Financing lives right on the proposal
This is the part that changes everything. When a financing option is added to a project, the monthly payment, loan term, interest rate, and lender details appear automatically on the proposal — both on the interactive web version and the downloadable PDF.
When multiple financing options are included, homeowners can compare them side by side right on the proposal. Loan vs. lease? 15-year vs. 25-year? The difference is visible instantly, making it easy to pick what works best for their budget.
Quick and easy application process
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Apply together, in person
When the installer is sitting with the homeowner, the application can be filled out and submitted right inside Solargraf. The form is already pre-filled with project details — address, system size, pricing — so there's minimal typing. Hit submit, and a decision often comes back in seconds.
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Send it to the homeowner
Some homeowners prefer to handle the financial details privately. With one click, the installer sends a secure link to the homeowner's email. The homeowner fills in the sensitive information on their own time, reviews everything, and submits — no login required. The installer gets notified the moment a decision comes through. Reminders can be sent if the homeowner hasn't completed it, and the application can be pulled back if plans change.
Only the right products, every time
Solargraf automatically filters out financing products that don't apply to a given project. If a loan isn't available in the homeowner's state, if the system size is outside the lender's range, or if a product has been discontinued — it simply won't appear.
Track every deal from start to finish
Once a credit application is submitted, Solargraf tracks every step — pending, approved, documents generated, contract signed, and beyond. From the first quote to the final signature, everything stays inside Solargraf.
Why installers choose Solargraf for financing
- Every financing type in one place — Loans, leases, PPAs, commercial, and custom options — all built in
- Accurate payments on every proposal — Real-time numbers from the lender, not manual estimates
- Side-by-side comparison — Homeowners compare options and choose what fits their budget
- Flexible credit applications — Apply in person, send to the homeowner, or pre-qualify with a soft check
- One-click product import — Connect a lender account and pull in products instantly
- Smart filtering — Only eligible, available products show up on proposals
- Full deal tracking — From credit decision to contract signing to change orders — it's all here
- Build any product — Custom financing builder for lenders or deal structures not yet integrated.
- Homeowner flow — Share the application directly with the homeowner to fill and submit and avoid the hassle of in-person application process.
Ready to close more deals?
Whether already using Solargraf or exploring it for the first time, everything an installer needs to offer homeowners the perfect financing option is already built into the platform.
Want to know more?
Join our upcoming webinar to dive deeper into our enhancements.
Schedule a demo for a personalized walkthrough on understanding how Solargraf can add value to your business.
Thank you for being part of our growing community; we can’t wait to show you what’s next.
