Commercial Financing

It’s time to declare your independence

Your business shouldn’t have to be held hostage by your energy bill. You can begin cutting costs and locking in energy rates all while taking a giant step toward becoming energy independent. You can take control back with the help of a solar energy system. With convenient financing options available, there is no reason why you can’t start saving today.

California First

California First financing allows commercial property owners to finance their new solar energy system and water efficiency improvements for their multifamily residential projects or business. Financing will be repaid over 20 years on your property taxes. Commercial properties are defined as any nonresidential properties, retail properties, office space properties, agricultural properties or multifamily buildings with at least four units in them.

Most of the clean energy retrofits are able to use this particular type of financing. Some of the common energy efficiency, water conservation and renewable energy projects include windows and doors, electric vehicle charging stations, lighting, refrigeration, bathrooms, HVAC, solar water, solar photovoltaic, cool roofs and insulation. Property owners can also install custom measures that can save on energy or water.

California First also offers competitive interest rates to help you save on the cost of your system. If a property owner finances through California First, they will enjoy a longer payback period, lower interest rate, the financed amount isn’t reflected on your credit report, you can transfer your balance to the new owner when you sell the property and financing based on the property, not your credit.

Most clean energy retrofits are eligible for CaliforniaFIRST financing. 

Common energy efficiency, renewable energy or water conservation projects include:

  • Windows and Doors
  • Electric vehicle charging stations
  • Lightning
  • Refrigeration
  • HVAC
  • Bathrooms
  • Solar Photovoltaic (PV)
  • Solar Water
  • Insulation
  • Cool roofs

Property owners will also be permitted to install custom measures that can demonstrate an energy or water savings benefit.

Property owners who finance efficiency projects through us often enjoy the following benefits: 

  • Lower interest rate
  • Longer payback period (up to 20 years)
  • Property qualified financing not credit-card based
  • Balance can transfer to new owner upon sale
  • Financed amount won’t appear on credit report

Solar World

Solar World is the largest solar manufacturer for the past 40 years. They partnered with the best financiers to give you a variety of different financing options to best meet your needs. Going solar is easy and affordable, especially since you aren’t going to be stuck paying a bunch of upfront costs. They guide you through the different options available and tailor a solution that best meets your needs. The financial benefits of using Solar World financing are competitive rates, multiple term options, robust financial product portfolio, zero-down financing and a hedge against rising energy costs.

Financial Benefits

  • Hedge against rising energy costs 
  • Robust financial product portfolio 
  • Zero-down, 100 percent financing
  • Multiple term options
  • Competitive rates


Ygrene offers financing options for an assortment of customers. Property owners can take advantage of energy savings by offsetting costs for efficiency improvements by increasing market rent and boosting demand and value of their property. This applies to multifamily housing properties of five or more units.

Retail spaces can reduce operating costs and provide attractive lease opportunities for tenants and help boost operating income. These often include spaces like shopping centers, restaurants, grocery stores, hotels, auto dealerships and convenience stores.

Office spaces can eliminate personal guarantees, annual reporting and covenant restrictions, thus eliminating the possibility of bank curtailments for any periods of reduced occupancy. This applies to properties such as Class A-D, professional buildings, office flex, educational institutions, private education facilities and condominiums.

There aren’t a lot of financing options available for mixed use properties due to temporary tenants and shorter lease terms. You don’t need a cash flow analysis or ownership guarantee with this financing option.

You can utilize tenant improvement strategies for energy efficiency to help improve cash flow and increase market value. This applies to mills, agricultural facilities, warehouses, light industrial businesses, special purposes and religious facilities.


Property owners benefit from the ability to offset costs for efficiency improvements with increased market rents while increasing high-demand properties’ quality and value.

  • 5+ unit housing


Reduce operating costs while providing attractive tenant lease opportunities or owner use benefits from higher net operating income (NOI).

  • Shopping centers
  • Restaurants
  • Grocery stores
  • Hotel/Motels
  • Convenient stores
  • Auto dealerships


No personal guarantees, covenant restrictions or annual reporting, which eliminates the risk of bank curtailments for periods of reduced occupancy. 

  • Class A-D 
  • Professional
  • Office flex
  • Educational
  • Private education
  • Condominium 

Mixed use

Alternative financing sources are limited for the often volatile cash flows on mixed use properties due to shorter term leases and temporary tenants. No cash flow analysis or ownership guarantees are required with our financing.  

  • Unique properties


Apply tenant improvement strategy with energy efficiency to leasing opportunities to suit which improves cash flow while increasing market value.

  • Warehouse

  • Light industrial
  • Special purposes
  • Religious facilities
  • Mills
  • Agricultural


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