Solar Lien Resolution & Payoffs
Give homeowners a monthly payment option to resolve solar liens and UCC-1 filings that cloud their title, so your company can clear more cases, win more clients, and collect the full contract value upfront.
A homeowner can be under contract to sell or ready to close a refinance and discover a solar lien or fixture filing freezing the deal, with resolution costs due immediately and no room in their budget to pay them. That is the moment your service stalls and the client walks.
Solar lien resolution financing is a point-of-sale program that lets homeowners apply through a multi-lender network and pay for lien clearance, payoff, and title work on a monthly plan, while your company keeps its full fee and receives payment upfront once funding is completed.
Get Paid Upfront
Capital is disbursed directly to your account once the loan is funded, so you are not waiting on a homeowner’s cash flow or a pending closing.
One Application, Many Lenders
A single submission is matched across prime, near-prime, and second-look lenders, so more of your clients qualify to move forward.
Non-Recourse Financing
Most loans in the network are non-recourse, so once you are paid you carry no responsibility for how the homeowner repays.
A solar lien is a legal claim recorded against a property to secure a solar lease, loan, or power purchase agreement. It most often appears as a UCC-1 fixture filing recorded with the county, and it signals to title companies and mortgage lenders that a third party has an interest in the system attached to the home.
When a homeowner tries to sell or refinance, the title search surfaces that filing, and the transaction can freeze until the lien is resolved with a payoff, a subordination, or a UCC-3 termination statement. Resolving it quickly is what keeps a sale or mortgage on schedule, and financing gives the homeowner a way to cover the cost without derailing the closing.
The homeowner applies through the lender network, and one submission is matched across lenders spanning prime, near-prime, and second-look credit tiers, so more of your clients qualify. Approved homeowners review their monthly payment options and complete the financing if they move forward.
Solar Exit Financing operates the lender network and the point-of-sale application flow, so your company can offer lien resolution payment options without becoming a lender. Homeowners can review how installment loans work from the CFPB.
| Stage | What Happens |
|---|---|
Step 1 Apply | The homeowner completes a mobile-friendly prequalification in about 60 seconds through your financing link and reviews available monthly payment options across the lender network. Prequalification uses a soft credit pull that does not affect their score. |
Step 2 Choose an Offer | Approved homeowners review available offers and select the monthly payment and term that fit their budget. |
Step 3 Fund the Resolution | Once funding is completed, you receive payment upfront and can proceed with the payoff, lien clearance, and title work. |
Financing covers every cost involved in clearing a solar claim from a property, from the filing itself to the underlying payoff and the title work that follows. Amounts and terms are set by the lender based on the homeowner’s profile.
UCC-1 Fixture Filing Removal
$500 – $3,500
Finance the cost to clear a UCC-1 fixture filing and record the UCC-3 termination statement with the county.
Solar Lease or Loan Payoff to Release the Lien
$5,000 – $40,000+
Finance the underlying lease or loan payoff required before the lienholder will release its claim on the property.
PPA Buyout to Clear a Title Cloud
$5,000 – $40,000+
Finance the buyout of a power purchase agreement whose recorded interest is clouding title, including agreements with a rising escalator.
Title, Escrow, and Recording Fees
$500 – $5,000
Finance title search, escrow, and county recording costs tied to clearing the filing and confirming a clean title transfer.
Lien Resolution Service Fee
$1,000 – $7,500
Finance your service fee for managing the payoff, filing clearance, and coordination with the lienholder and title company.
Complete Lien Resolution Bundle
Up to $50,000
Finance the payoff, filing removal, title work, and your service fee together as one monthly payment.
Ranges are illustrative. Actual approval, amounts, rates, and terms are determined by the participating lender and the homeowner’s profile.
Most lien resolutions involve more than one payee. A single approved loan can pay off the lienholder, cover title and recording fees, and pay your company for managing the resolution, all from one amount. The distribution is defined at closing so each party is paid in the correct order and the county record can be cleared.
Because everything is funded from one approved loan, the homeowner carries a single monthly payment rather than separate obligations to the lienholder, the county, and your company.
Once the homeowner accepts an offer and closing requirements are completed, your portion of the proceeds is disbursed upfront, and partners are typically funded within 2-3 business days. You collect the full contract value at funding, with no receivable to carry and no installments to service. Exact timing depends on the lender and the completeness of the closing documents.
A homeowner can be desperate to clear a lien before a closing date and still freeze at a five-figure payoff due all at once. Cutting your fee eats your margin, and carrying your own payment plan leaves you chasing reminders, failed payments, and collections while a closing clock runs.
Financing gives the homeowner another way to pay. Instead of one large upfront number, they review monthly payment options while your company keeps its full fee and hands repayment to the lender.
Do not wait for a homeowner to say the payoff is too expensive. Make monthly payment availability visible early, especially the moment a title search surfaces a solar filing.
Before the Consultation
During the Consultation
There are several ways a homeowner can pay to clear a lien. The difference is how much time and risk each option puts on your business.
| Payment Method | When You Get Paid | Who Manages Repayment | Admin Overhead | Best For |
|---|---|---|---|---|
| Solar Exit Financing | Upfront on loan completion | The lender | Low | Payoffs and multi-party resolutions |
| Pay in Full | Right away | Not applicable | Low | Homeowners with cash on hand |
| Credit Card | After payment processing | Homeowner and card issuer | Low | Smaller balances on available credit |
| Home Equity / HELOC | After a longer approval | The lender | Low to moderate | Homeowners with equity and time |
| Your Own Payment Plan | Over time | You | High | Short arrangements you manage yourself |
The difference: Financing gives homeowners another way to pay while your business collects the full contract value at funding, with no long-term repayment process to manage.
Example: On a $14,000 lien resolution that combines a lease payoff, filing removal, and your service fee, offering the homeowner installments yourself means you carry the balance and chase every late payment while a closing date looms. Run the same resolution through the lender network and it is funded at once, you collect the full contract value, and the lender manages repayment from there.
Figures are illustrative. Actual approval, loan amounts, rates, terms, and payments are determined by the participating lender.
Give homeowners a way to clear a solar lien while your company keeps its fee and collects the full contract value, with no payment plan to manage.
Homeowners 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. Prequalification uses a soft credit pull that does not affect the homeowner’s score, and a full credit pull generally happens only if they move forward with an offer. Decisions are often returned within minutes, and partners are typically funded within 2-3 business days after the homeowner accepts.
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.
If a Homeowner Misses a Payment
The repayment agreement is between the homeowner and the lender. Follow your provider’s policies and keep clear records of your service agreement and the work you delivered.
If the Payoff Amount or Timeline Changes
Lienholder payoff quotes can change, and recording turnaround varies by county. If the amount shifts before disbursement, coordinate the updated figure with the lender. A change in the closing timeline does not necessarily change the homeowner’s financing agreement.
If a Homeowner Cancels
Make your cancellation and refund policies clear before the resolution is funded. Any refund or financing adjustment should follow your service agreement and the financing provider’s requirements.
Present your service clearly as a lien resolution or solar exit service based on the work you actually provide. Keep your scope of services and client agreement clear, especially where your work touches regulated areas such as legal, tax, or title services.
When marketing results, savings, or testimonials, keep claims truthful, not misleading, and appropriately supported. The FTC provides guidance on endorsements, reviews, and testimonials.
What to Do
What Not to Do
Lien resolution financing tends to make sense if you clear solar liens, coordinate payoffs, or resolve title clouds, and regularly hear some version of, “I have to clear this before closing, but I cannot pay the payoff all at once.”
Whether you manage payoffs and UCC filings directly or partner with title companies and real estate professionals, giving homeowners another way to pay reduces the upfront barrier without forcing you to discount your fee.
Solar Exit Financing helps lien resolution and solar exit companies offer monthly payment options as part of their existing workflow. Give homeowners another way to pay, keep your fee, and transfer payment administration to the lender so your margins stay untouched.
See how lien resolution financing fits into your workflow and start offering monthly payment options to your clients.
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. This page is provided for general informational purposes only and is not legal, tax, credit, title, or financial advice.
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Request a platform demo to discover how seamless point-of-sale customer financing helps your business close more cancellation and buyout agreements without managing payment plans.
common questions answered
Your client applies for a loan that covers the payoff, filing removal, title work, and your service fee, and you are paid the full contract value upfront once funding is completed while they repay the lender in monthly installments. You add a branded application link to your intake, the client prequalifies with a soft credit pull that does not affect their score, and one application reaches a network of prime, near-prime, and second-look lenders.
Yes. A single approved loan can pay off the lease, loan, or PPA balance, cover UCC-3 recording and title fees, and pay your company for managing the resolution, all from one amount. The distribution across parties is defined at closing so each payee is paid in the correct order, and the homeowner carries one monthly payment instead of separate obligations to the lienholder, the county, and your company.
Clients can typically finance from $1,000 up to $50,000, which covers everything from a $500 filing removal to a full payoff-plus-title bundle. Partners are usually funded within two to three business days after the client accepts an offer and closing documents are completed. You collect the full contract value as a single upfront payment instead of billing in pieces or carrying a receivable against a pending closing.
Payoff quotes and per-diem interest can shift before disbursement, so coordinate the updated figure with the lender before funds are released. If the amount grows, the funding amount can be adjusted; if it shrinks, the loan is sized to the confirmed payoff. Keep your service agreement clear on how changes to the payoff are handled so the closing stays on track.
Most loans in the network are non-recourse to your company, so if a client misses payments the lender handles servicing and collection, not you, and your upfront payment is not clawed back. The repayment agreement is strictly between the homeowner and the lender. Confirm the specific non-recourse terms with the lender before publishing them for clients.
Yes, and they are one of the strongest referral sources for lien resolution work. Title companies, real estate agents, and mortgage lenders hit solar UCC-1 filings at closing and need a fast way for the homeowner to fund the payoff. Sharing your branded financing link with those partners gives them a solution to offer on the spot, keeps the deal on schedule, and sends qualified clients to you.
