A new lease-to-own option reduces the total system cost upfront and transfers full ownership to you after five years.
Forget the inflexible solar leases of days past.
Our new lease-to-own option delivers nearly 20% off the system cost right upfront—by granting homeowners access to incentives that have traditionally only been available for commercial solar. No filing for tax credits. Just immediate savings built into the price.
What’s more, this lease-to-own program includes a built-in buyout that automatically transfers full system ownership to you in year six.
Tax incentives are accounted for in the initial pricing – no need to wait for your tax return. The savings are already there!
Savings Starting Day One
Ownership After Five Years
Lower bills immediately with ownership automatically transferring to you after year five.
Designed to Fit Your Home
Not the Other Way Around
A fully customized design that fits your goals, whether that’s solar, storage, or both.
How It Works
1. Fully Custom System Design
Our solar integrator designs a system tailored to your home and goals. Choose solar only, battery only, or a fully integrated solar + battery system — built around how you use energy.
Residential solar tax credits ended for homeowners in 2025, but commercial solar incentives remain. As a commercial entity, Concert Finance, our trusted financing partner, can access those incentives, passing savings through to you as an upfront price reduction.
3. Pay Only About 80% of the System Cost
The prepaid solar lease is calculated using the full system cost, plus the early buyout amount, minus the value of the commercial tax credits claimed by the leasing entity. In practical terms, most homeowners pay just over 80% of the total system cost only - a significant savings.
4. Prepay With Cash or Loan:
Homeowners can choose to pay cash for the prepaid lease, or take out a loan with a small monthly payment. Loan options are very flexible, with no early buyout penalties.
5. Ownership After Five Years
You receive 100% of the electricity your system produces from day one. To meet federal requirements, Concert Finance temporarily owns the system for five years. After that period, ownership transfers to you — with no change in how your system operates.
Zero-down options are subject to credit approval. Terms, availability, and savings vary by project. This content is not tax or legal advice.
Yes. This program is fully legitimate and built around long-standing federal solar tax policy.
While residential solar tax credits ended for homeowner-owned systems in 2025, commercial solar tax incentives remain available under a different section of the tax code. Banks and solar leasing companies are permitted to access those incentives so long as they retain ownership of the system for a minimum of five years. In this lease-to-own program, a trusted third-party financing partner temporarily owns the system to meet those requirements, claims the applicable 30% commercial tax credit, and passes a significant portion of that value along to the homeowner.
This structure is widely used across the solar industry, complies with Internal Revenue Service rules, and has been reviewed and implemented by established lenders, tax professionals, and solar providers.
The prepaid lease pricing reflects the full, real-world cost of delivering and supporting your system, not just the equipment. That includes:
The complete solar (and battery, if included) system
All installation labor, permitting, and applicable taxes
A full operations and maintenance package while the system is under third-party ownership
A modest early buyout amount, which allows ownership to automatically transfer to you after the required term
After those components are accounted for, the incentive value passed through to the homeowner typically works out to about 20% off the total system cost, applied upfront.
Historically, many solar leases have been. We’ve seen contracts with unclear terms, limited flexibility, complicated transfer procedures (in the event of a home sale), and no real path to ownership.
This program is different by design. It’s a lease-to-own structure with clearly defined terms, transparent pricing, and a guaranteed transfer of ownership. We chose this model specifically because it aligns with how SVSS operates: long-term thinking, no fine print “gotchas” and solutions we’d be comfortable putting on our own homes.
To access available commercial solar tax credits, the system must be owned by a commercial entity for five years. During this time, you still receive 100% of the system's energy and savings benefits, plus a significant discount reflected in your upfront pricing.
Ownership transfers to you automatically. The cost of the buyout is already built into the prepaid lease pricing, so there’s nothing additional to pay. There’s no change in how your system operates — it simply becomes fully homeowner-owned, just like a traditionally purchased solar system.
You can pay it off at any time — from Month 1 through Year 25 — with no prepayment penalties. Whether you choose to pay it down early or keep the original term, the choice is entirely yours.
We design, install, and service the systems we put on homes. Our in-house service team handles monitoring, maintenance, and support — and we’re here long after installation. This isn’t outsourced, and it isn’t temporary.
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