Solar Panel Financing

The Power of Solar Financing

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Instant Savings

Go solar without a large upfront investment. With third-party ownership options like leases and Power Purchase Agreements (PPAs), you can start saving immediately with no out-of-pocket costs and no long-term maintenance responsibilities.

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Keep Your Cash Flow Strong

Solar financing spreads project costs into predictable monthly payments. That means you protect your working capital while still moving forward with an energy solution that lowers your operating expenses.

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Lock in Lower Energy Costs

Utility rates continue to rise. Solar helps shield your business against future increases by locking in a lower, more predictable cost of energy while improving long-term stability.

Flexible Financing for Solar Success

Every business is different, and the right solar financing strategy depends on your goals, tax position, and cash flow. At EFS Energy, we don’t push a one-size-fits-all solution. We take the time to understand your operation and match your project with the financing structure that makes the most sense.

We work with a strong network of trusted lenders and solar investment partners to offer:

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Cash purchase/capital expenditure

For businesses seeking maximum long-term returns through tax credits and depreciation

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Power purchase agreements (PPAs)

Reduces your energy bill with no upfront cost.

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Operating or capital lease structures

Similar to a PPA, and available in areas where PPAs are not.

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Tax-credit safe-harbor financing

For year-end projects looking to lock in incentives.

Understanding Third-Party Ownership

Third-party ownership allows businesses to install solar without paying for the system upfront. With this approach, EFS Energy designs the system and works with our financing partners to present lease or PPA options that show immediate savings.

Power Purchase Agreements (PPAs)

PPAs focus on reducing your energy supply rate. You pay for the power produced at a lower per-kilowatt-hour cost than your utility, creating instant savings.
Both options can be structured with flexible terms, buyout options, and escalation rates. Maintenance and system performance are handled by the provider, and incentives are monetized by the owner, making this a strong option for businesses without large tax liabilities.

Leases

A lease places the system on your facility while ownership stays with the provider. You benefit from lower utility bills and make a monthly payment that must be less than your historical energy costs.

Financing with Ownership

If owning your system is your priority, financing allows you to install solar with little to no upfront cost while still capturing tax credits, depreciation, and incentives. EFS Energy works with multiple lenders offering competitive rates, flexible terms, and re-amortization options to help maximize savings while keeping payments manageable.

This approach is ideal for businesses that want full control of the asset and the strongest long-term financial return.

Why Finance Your Solar with EFS Energy?

Financing isn’t just about numbers. It’s about aligning your solar project with your business goals. At EFS Energy, we make it a priority to find the right financing solution for every client, not just the fastest one.

We stay up to date on incentives, policies, and interconnection requirements across Illinois and Missouri, and we take the time to explain how each financing path affects your project today and years from now. Our role is to simplify the process, protect your interests, and help you move forward with confidence.

Ready to Finance Solar the Right Way?

EFS Energy is a trusted partner for businesses that want real savings, clear guidance, and financing strategies built around long-term success. Whether you’re looking for immediate savings with no upfront cost or ownership with maximum returns, we’ll help you navigate every option and choose what works best for your operation.

Contact us today and see how EFS Energy makes solar financing simple, strategic, and built around your energy goals.

3407 S. Jefferson Ave.
St. Louis, MO 63118

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