Financing & incentives

Most customers don't pay cash — they finance, take the federal tax credit, and let the loan payment offset the utility bill they're no longer paying. Here's how each piece works.

Mosaic — Residential

Most common

$0-down solar loans for homeowners. Terms 10–25 years, rates from ~6.99% APR depending on credit and term. The loan payment is usually less than the electric bill it replaces, so you're cash-flow positive from day one.

$0 down, no liens on the home
Apply online, decision in minutes
Loan transfers if you sell the house

Sunstone Credit — Commercial

Commercial-only solar lender. Loans from $50k to $5M, terms aligned to MACRS depreciation schedules. For most businesses we install for, the loan payment + tax-credit-and-depreciation cash flow nets out positive in year one.

Specializes in solar — they understand the asset
No personal guarantees on most LLC borrowers
Approval in 1–2 weeks for typical projects

Federal Investment Tax Credit (ITC)

30% of the system cost back as a federal tax credit through 2032. Applies to solar, battery storage (even without paired solar), and most balance-of-system costs (inverters, mounting, labor, permit fees).

Example: $22,800 residential system → $6,840 tax credit → ~$15,960 net cost. The credit is non-refundable but rolls forward up to 20 years if you can't use it all in year one. Talk to your accountant for your situation.

State incentives

Rhode Island: RI Renewable Energy Fund grants for residential and commercial. Net-metering credits roll forward monthly to offset future bills.

Massachusetts: SMART program — production-based incentive paid by the utility for 10 years. Stacks on top of the federal ITC. We'll calculate your specific SMART value during the design phase.

Connecticut: Net metering with monthly carry-over credits. Residential Solar Investment Program rebates phasing out; we'll tell you what's currently available.

We do the math for you

Every proposal we send breaks down the system cost, the tax credit, available state incentives, your loan payment if financing, and the projected utility savings — all on one page, in plain English.