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 delivers25% 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, or a fully integrated solar + battery system — customized entirely for you.
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 75% of the System Cost
The prepaid solar lease price is calculated by taking the full system cost, adding the guaranteed early buyout amount, and then subtracting the value of the commercial tax credits claimed by the leasing entity. Homeowners typically see an immediate reduction of about 25% off the system cost—a meaningful upfront savings.
4. Prepay With A Loan:
The prepaid lease is funded through a loan with flexible terms and rates based on credit qualifications. Homeowners make predictable monthly payments, but the loan can also be paid off at any time with no early payoff penalty.
Some homeowners may choose to pay the loan off shortly after installation—making the transaction feel similar to a cash purchase—while others may keep the monthly payment for the full term. Either way, you own the system after five years.
5. Ownership After Five Years
You'll 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.
Loan rates and terms 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 tax credits, 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.
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 and a guaranteed transfer of ownership that give you complete control of the system after five years. . 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.
Yes. The loan is fully flexible with terms starting at 7.79% with excellent credit.
You can pay off the loan 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. Either ownership automatically transfers to you at year six.
No. Concert Finance requires the prepaid lease to be funded through one of their loan options. However, the loan can be paid off at any time with no early payoff penalties.
Some may choose to pay off the loan shortly after installation—sometimes as early as the first month—making the transaction feel very similar to a cash purchase. Others may opt to keep the monthly payment for the full loan term, enjoying predictable energy costs much lower than their current utility bill.
Either way, full system ownership transfers to you after five years.
If you sell your home during the initial five-year lease period, the prepaid lease must be transferred to the new homeowner. If there is still a balance on the loan, the lease and loan must be transferred together to the buyer.
Alternatively, the loan can be paid off at any time with no early payoff penalty, leaving only the lease to be transferred. As with most solar agreements, the new homeowner must qualify to assume the lease and loan terms.
After five years, full ownership of the solar system transfers to you. At that point, the system simply conveys with the home like any other owned home improvement, with no lease transfer required.
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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