Solar Exit Financing FAQ

Because a large share of homeowners cannot write a check for a $10,000 to $40,000 exit, and many never call at all because they assume they cannot afford it. Solar Exit Financing turns that upfront number into a monthly payment, which keeps the conversation alive and brings in clients who would otherwise walk. It can replace collecting large sums yourself or simply sit alongside it as another way for the homeowner to say yes. Most partners agree there is no such thing as too many ways to help a client move forward.

A homeowner can finance most of what it costs to leave a solar agreement: contract buyouts and lease or PPA payoffs, cancellation and legal retainers, contract audits, lien resolution, and panel removal with any roof restoration that follows. Rather than paying each piece out of pocket, the homeowner can roll eligible costs into one monthly payment, which makes it far more likely they move forward with your services.

No major change is needed. You can bring up financing during a consultation, text or email the homeowner your secure application link, or add it as an option on your website and follow-up materials. The financing conversation fits into the way you already talk clients through their exit, it just removes price as the reason they stall.

The homeowner will need to lift the freeze at all three major bureaus (TransUnion, Equifax, and Experian) so the application can be evaluated. Prequalification uses a soft pull that does not affect their score, and a full pull only happens if they move forward with an offer. Once the loan is finalized, they are free to reinstate the freeze.

No. We work to bring in lenders that cover as many homeowners as possible, but results vary from person to person and business to business. Some programs can approve a very wide range of applicants, but even then a specific situation may prevent a loan from going through. What we can say is that one application reaches multiple lenders, which gives each homeowner more than one chance to qualify.

Once the homeowner's loan is funded, the funds are sent to your business by direct deposit, typically within 2-3 business days, though certain situations can affect that timeline. You are paid upfront for your services rather than waiting on the homeowner's cash flow, and the homeowner repays the lender over their chosen term.

Most lenders in our core network are non-recourse, which means once your business has been paid, you are not responsible for the homeowner's repayment behavior or a default. A few lenders in higher-risk situations may carry some degree of recourse, and if that ever applies to a program we present to you, we will point it out before you use it.

Amounts generally range from $1,000 up to $50,000, and the right ceiling depends on the lender and the homeowner's profile. That range is built around what solar exits actually cost, from a few thousand dollars for cancellation or legal help to larger buyouts and full teardown-and-restoration projects. We help match each client to the programs that fit the size of their exit.

Most lender solutions return a decision within seconds or a few minutes. In some cases an application is pre-approved with final approval subject to additional review of the homeowner's details. Prequalification uses a soft credit pull, so a homeowner can see their likely options quickly without any impact on their credit score.

There is no obligation to accept anything. Homeowners are free to review their options and walk away, and because prequalification uses a soft pull, exploring offers does not create a hard inquiry or ding their credit. Many partners actually encourage clients to apply just to see what they qualify for, since there is no downside to looking.

No. The lender handles the loan, the monthly payments, and all servicing and collections. You are paid your service fee upfront once the loan funds, so you avoid the risk, paperwork, and follow-up of financing homeowners yourself. Your team stays focused on delivering the solar exit, not chasing installments.

Homeowners look to exit for a range of reasons: escalator clauses that push the payment above what they save, systems that never produced as promised, liens or transfer problems that complicate a home sale, or a lease or PPA they no longer want tied to their property. Whatever the reason, the cost of getting out is often the barrier. Solar Exit Financing removes that barrier so more of these homeowners can actually move forward with your services.

Every lender weighs some mix of credit score, debt-to-income, and overall financial health, and each one sets its own bar based on its risk appetite. More conservative lenders court prime borrowers with the best terms, while others take on more risk and price for it. Because Solar Exit Financing routes one application across lenders with different criteria, a homeowner has more than one profile of lender considering them, which widens the odds of an approval that fits.

There is no single cutoff, because the network includes lenders for prime, near-prime, and credit-challenged borrowers. A strong score usually unlocks the most competitive rates and the highest amounts, while lower scores may still find a second-look option, sometimes at a higher cost. The soft-pull prequalification is the fastest way to see where a specific homeowner actually lands without affecting their score.

Getting set up is quick. Complete the short partner enrollment, and once you are approved you can start sharing your secure application link with clients, usually within about one business day. From there, offering financing takes about a minute per homeowner: send the link, let them review their options, and get paid upfront once their loan funds so you can begin the work.