Solar Panel Financing & Leasing for UK Businesses
Commercial Solar UK provides financing and leasing options for commercial solar installations because many businesses want to reduce their energy costs without making a large capital investment.
Solar panel financing options include loans, leases, and power purchase agreements. These can make solar energy more accessible and affordable for homeowners. Look into government incentives and rebates to further reduce costs and make the switch to renewable energy.
We work with trusted financial partners so that organisations across the UK can install solar with zero or minimal upfront cost.
Why Businesses Choose Solar Financing
Solar financing enables businesses to generate renewable energy without capital strain because funding options shift the cost from capex to opex. Each system still reduces electricity bills from day one since on-site solar offsets expensive grid energy.
- Solar panel financing options include loans, leases, power purchase agreements (PPAs), and incentives such as tax credits
- The cost of solar panels has decreased significantly in recent years, making them more affordable for homeowners and businesses
- Financing solar panels can help reduce or eliminate electricity bills over time
- Some financing options may require little to no money down upfront
- It is important to research and compare different financing options to find the best fit for your financial situation and goals
We tailor financing to match operational and accounting goals so that you benefit from energy savings without disrupting cash flow.
Finance Models We Offer
| Finance Option | Ownership | Upfront Cost | Strategic Benefit |
|---|---|---|---|
| Lease-Purchase | Business owns the system | Low or zero deposit | Asset ownership with tax relief potential |
| Power Purchase Agreement (PPA) | Funder owns the system | £0 | Only pay for power used, not hardware |
| Asset Finance | Business owns the system | 10–20% deposit | Capital ownership with cost spread over time |
Each model supports a different commercial objective because businesses vary in their funding preferences, lease terms, and tax strategies.
Lease Purchase for Commercial Solar
A lease-purchase agreement lets your business spread the cost of the solar system over several years because the asset is paid for in instalments under a hire-purchase model.
You own the system at the end of the lease term so that you gain full control and long-term savings.
Fixed monthly payments are agreed in advance as this ensures predictable budgeting and accounting.
✅ Suitable for limited companies, charities, and CICs
✅ Terms from 3 to 10 years
✅ Ownership transfers automatically at the end
✅ Eligible for capital allowances such as AIA
Power Purchase Agreements (PPA)
A PPA allows your business to benefit from solar energy with no equipment cost because a third-party investor installs, owns, and maintains the system.
You purchase electricity from the funder at a fixed or discounted rate since you only pay for the energy generated and consumed on-site.
Maintenance and insurance are included in the agreement so that you avoid responsibility for the asset itself.
✅ Zero capital investment
✅ Clean energy savings from day one
✅ Electricity rate often 15–30% cheaper than grid
✅ Terms from 10 to 25 years
✅ Buy-out or renewal options available at end of term
Asset Finance for Commercial Solar
Asset finance allows you to buy the system outright while spreading payments because the loan or lease is secured against the solar asset itself.
Monthly payments are fixed and competitive so that you retain budget control while owning the asset. The system appears on your balance sheet since you hold the title from the start or end of the agreement.
✅ 10–20% deposit depending on credit profile
✅ Terms up to 10 years
✅ Eligible for Super Deduction or AIA
✅ Ideal for companies with multi-site energy usage
Business Benefits of Financing Your Solar Project
| Benefit | Causal Explanation |
|---|---|
| No capex drain | Energy savings begin without capital investment |
| Energy cost reduction | Generated power offsets expensive grid imports |
| Tax efficiency | Eligible finance models qualify for allowances |
| Forecastable budgeting | Payments or rates are fixed over time |
| Sustainability compliance | Scope 2 emissions are reduced immediately |
We recommend the best funding route for each client because every project must balance performance, ownership, and risk.
Who Qualifies for Solar Panel Financing
Most UK businesses are eligible for solar financing as multiple lenders support clean energy transitions for commercial properties.
Typical eligibility includes:
- Limited companies, CICs, and PLCs
- Manufacturing, logistics, and agricultural operations
- Properties with stable electricity demand
- Organisations with 10–25+ year property control (freehold or leasehold)
- Tenants with landlord approval (for roof-based installs)
Credit checks and site surveys are required because funders assess both financial strength and system viability.
How We Deliver Funded Commercial Projects
Commercial Solar UK handles every stage of the finance journey so that you stay focused on your business while we manage approvals, design, and funding.
Our process:
- Consultation to explore your energy needs and budget
- Site survey to assess roof and electrical layout
- Technical design with load-matched system proposal
- Finance structuring with repayment forecast
- Approval, legal documentation, and contract signing
- Installation and DNO grid connection
- Monitoring, reporting, and aftercare
All documents, forecasts, and layouts are provided up front because clarity and planning are essential for stakeholder approval.
FAQs
Is the system maintained if I use finance or a PPA?
Yes, because we or the funder include maintenance and warranty cover in the agreement.
Will the system be insured during the finance term?
Yes — insurance is always included during the contract period so that you are not liable for damage or loss.
Can I claim capital allowances?
Yes, but only under lease-purchase or asset finance models — because PPA systems remain owned by the funder.
What happens at the end of the contract?
You either take ownership, renew, or exit depending on the contract type — we outline all outcomes during consultation.
Book a Solar Finance Consultation
Commercial Solar UK helps organisations across the UK adopt solar through tailored funding options so that you can cut bills and carbon emissions without tying up working capital.
Your free consultation includes:
- Review of all available finance routes
- ROI forecast based on system size and usage
- Legal, insurance, and tax clarity
- Site survey and technical design
- Application assistance and documentation support