Legal Retainer & Solar Cancellation Loans
Monthly payment options let homeowners afford the retainer to fight a bad solar contract, so your firm or cancellation practice signs more cases and is funded upfront instead of carrying receivables.
A homeowner may be ready to move forward with professional help but struggle with the cost of paying a large retainer or service fee upfront. When that happens, solar exit firms can lose clients simply because the payment is too much to handle all at once.
Solar cancellation and legal retainer financing helps solar exit firms remove upfront cost as a barrier. Qualified clients can explore monthly payment options through a multi-lender network, while your firm receives its service fee upfront once funding is completed—without creating or managing an in-house payment plan.
Get Paid Upfront
Receive your service fee once financing is funded instead of collecting installments or carrying the client’s balance.
More Lenders. More Approval Opportunities.
One simple soft-pull application connects clients with participating lenders serving a broad range of credit profiles.
Non-Recourse Financing
Eligible loans are non-recourse to your firm, so the lender, not your business manages the client’s repayment after funding.
You do not need to build your own payment plan or send clients to multiple lenders. The client completes one application that can connect them with participating lenders serving prime, near-prime, and lower-credit profiles, creating more approval opportunities than relying on a single financing source.
Solar Exit Financing coordinates the lender network and point-of-sale application flow, giving your firm a simple way to offer monthly payment options without becoming the lender.
| Stage | What Happens |
|---|---|
Step 1 Apply | The client completes a mobile-friendly prequalification in about 60 seconds through your co-branded financing link. Prequalification uses a soft credit pull that does not affect their credit score. |
Step 2 Choose an Offer | If approved, the client reviews available offers and selects the option that works for their needs and budget. |
Step 3 Get Funded | Once lender requirements are completed and financing is funded, your firm receives payment and can begin delivering the agreed solar exit service. |
Large upfront service fees can make it harder for clients to move forward, even when they are ready for help. Discounting cuts into your revenue, while offering in-house payment plans means waiting to get paid and taking on the burden of collecting payments.
Financing gives qualified clients another way forward. They can explore manageable monthly payment options while your firm keeps its fee intact, receives payment upfront after funding, and leaves repayment to the lender.
Financing may be used for eligible professional services associated with reviewing, disputing, or addressing an unwanted solar agreement. Available amounts and terms are determined by participating lenders based on the applicant and requested transaction.
Case Review & Contract Audit
$500 – $2,500
Help clients pay for an initial review or contract audit before deciding what professional services to pursue.
Cancellation Legal Retainer
$2,500 – $10,000
Finance the retainer that opens a cancellation or rescission matter so the client is not blocked by the upfront cost.
Rescission & Dispute Representation
$5,000 – $15,000
Finance representation to negotiate, dispute, or rescind a misrepresented or improperly signed solar agreement.
Extended Litigation & Appeals
$10,000 – $25,000+
Finance longer matters that move into formal litigation, arbitration, or appeals when a case requires it.
Cancellation Service Fee (Non-Legal)
$1,000 – $7,500
Help clients finance eligible flat-fee services offered by non-attorney solar exit companies.
Full Case Bundle
Up to $25,000
Finance the review, retainer, and representation together as one monthly payment for the client.
Examples and ranges are illustrative and do not guarantee eligibility or approval. Eligible services, loan amounts, rates, fees, and terms are determined by participating lenders and may vary.
Introduce financing alongside your other payment methods instead of waiting until a prospect objects to the price. This gives every qualified client a clear opportunity to explore monthly payments without weakening the value of your service.
Do not wait for a client to say the fee is too expensive. Make monthly payment availability visible early so prospects know there is more than one way to pay for professional solar exit services.
Before the Consultation
During Intake
The payment method a client chooses affects when your firm gets paid, who manages repayment, and how much administrative work your team carries after the client signs.
| Payment Method | When You Get Paid | Who Manages Repayment | Admin Overhead | Best For |
|---|---|---|---|---|
| Solar Exit Financing | Upfront on loan completion | The lender | Low | Higher-value solar exit services |
| Pay in Full | Right away | Not applicable | Low | Clients with cash on hand |
| Credit Card | After payment processing | Client and card issuer | Low | Smaller retainers on available credit |
| Your Own Billing Plan | Over time | You | High | Short arrangements you manage yourself |
The difference: Client financing can give qualified homeowners another way to pay while your firm receives its service fee after funding, without carrying a long-term balance or managing monthly collections.
Example: If you bill a $6,500 cancellation fee in five payments of $1,300, your firm carries the balance and must follow up on late or failed payments. If an eligible transaction is financed and funded, your firm receives payment according to the program terms and the lender manages the client’s loan repayment.
Figures are illustrative. Actual approval, loan amounts, rates, terms, and payments are determined by the participating lender.
Offer monthly payment options, create more approval opportunities, and improve cash flow without managing an in-house payment plan.
Clients apply directly through the financing process and may be asked for information about identity, income, and credit history. Available options, approval requirements, rates, fees, and repayment terms are determined by the lender.
Most financing uses installment payments, where the loan is repaid in scheduled amounts over a set period. The CFPB explains how personal installment loans typically work.
The process varies by lender. Initial prequalification uses a soft credit pull that does not affect the client’s credit score. A hard credit inquiry may be required if the client proceeds with an offer. Decisions may be returned quickly, while final verification and funding time depend on the lender, applicant, and completion of all requirements.
Once financing and funding requirements are completed, your payout is disbursed according to your agreement. Always follow the funding and delivery requirements provided by the financing provider, and apply funds consistent with your engagement terms.
If a Client Misses a Payment
The loan agreement is between the client and the lender. For an eligible non-recourse transaction, the lender handles repayment and collections; your firm should still follow provider requirements and document the work delivered.
If the Case Scope Changes
Your client agreement should explain how your firm handles scope changes and additional work. A change in the service does not automatically change the client’s financing agreement.
If a Client Withdraws or the Matter Ends Early
State your cancellation, refund, and unearned-fee policies clearly in the client agreement. Any refund or financing adjustment should follow that agreement, applicable law and professional rules, and the financing provider’s requirements.
All solar exit firms should present financing as an optional payment method, avoid promising approval or quoting unapproved loan terms, and use the disclosures and marketing language authorized by the financing provider. Your firm does not make lending decisions and should direct loan-specific questions to the participating lender.
Additional considerations for law firms: Before accepting third-party financing for legal fees, confirm that the arrangement complies with your state bar rules governing fee agreements, advance fees, trust accounting, refunds, and fee sharing. Attorneys can review the ABA Model Rules of Professional Conduct and guidance from their own state bar. When marketing results or testimonials, keep claims truthful and not misleading, consistent with FTC guidance on endorsements and reviews.
What to Do
What Not to Do
Client financing may be a strong fit if your firm provides solar cancellation, rescission, dispute, buyout, legal, or related solar exit services and regularly loses qualified prospects because they cannot absorb the full service fee upfront.
Whether you are a law firm handling solar contract matters or a non-attorney solar exit company charging a flat service fee, financing can remove an affordability barrier without forcing your business to discount its work or carry the client’s balance.
Solar Exit Financing helps solar exit firms add monthly payment options to the client journey they already use. Present your full scope and fee, introduce financing alongside other payment methods, share the application link, and begin work after funding is confirmed. Your team stays focused on serving clients while participating lenders handle underwriting, loan terms, servicing, and repayment.
Give qualified clients more ways to pay, expand approval opportunities, and get your service fee funded upfront without managing an in-house payment plan.
Important: Solar Exit Financing is not a lender and does not make credit decisions. Financing is provided by participating third-party lenders and is subject to eligibility, underwriting, approval, applicable terms, and provider requirements. Nothing here is legal advice, and offering financing does not guarantee any case outcome. Law firms are responsible for compliance with their state bar rules on legal fees, advance-fee and trust-accounting handling, and fee sharing. This page is provided for general informational purposes only.
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common questions answered
Offering clients a third-party financing option to pay a legal retainer is generally permitted, but the firm remains responsible for following its own state bar rules. Key considerations are advance-fee trust accounting (unearned fees typically must be held in trust until earned), the prohibition on fee-splitting with non-lawyers under ABA Model Rule 5.4, and clear written disclosure to the client about the financing terms. Because rules vary by state, firms should confirm the arrangement with their bar association or ethics counsel before rolling it out. Solar Exit Financing does not provide legal or ethics advice.
Clients can typically finance from $1,000 up to $50,000, which covers everything from a $500 contract audit to a $25,000 extended litigation bundle. Funds are usually disbursed to your firm within two to three business days after the client accepts an offer and closing documents are completed. You collect the full retainer as a single upfront payment instead of billing the client in pieces or carrying a receivable.
Clients apply through a single soft-pull application that reaches prime, near-prime, and second-look lenders, so more of them qualify than with a single bank. The client sees their exact monthly payment and terms before accepting anything, and rates are set by each lender based on the client's credit profile and the amount financed. Because one application is routed to a network of lenders, more clients can move forward with representation instead of walking away over the upfront cost.
