Prepaid Lease
Participate Energy’s Prepaid Lease product puts the power in the hands of homeowners when it comes to a clean, reliable, and affordable energy future.
The individual federal tax credit for solar and battery systems expired at the end of 2025. For homeowners, that means the typical 30% tax credit used to offset the total net cash needed to purchase the system is gone. Participate Energy set out to design a financial product that gives homeowners a new, affordable option to install reliable, sustainable energy on their home and provides many of the control, transparency, and features more typical of homeowner-owned systems.
The Participate Energy Prepaid Lease is that financial product. The Participate Prepaid Lease considers all available incentives and features while still providing critical lease functions such as ensuring the system is operating and in good working order. Participate and its installer partners are able to provide an upfront lease price significantly lower than the equivalent cash price for the same system.
This financial product is designed to give homeowners the ability to manage the system on their home with no additional recurring costs for the entire term unless they choose to finance the lease with a third-party lender. Homeowners have the option to purchase the system as early as Year 6.
States we currently serve: Arizona, California, Colorado, Hawaii, Idaho, New Jersey, New York, Texas, Utah
Who qualifies? Property owners in supported markets with sites eligible for the federal Investment Tax Credit (ITC). Our program is designed to unlock the benefits of solar, solar + storage, or battery-only solutions.
Note: Certain property types, such as condos, townhouses or mobile homes, may have limitations.
What about finance of the prepayment? We partner with several loan providers who can help finance the down payment portion of the prepayment. You can also work with your local lending source, as long as they’re an approved vendor.
Is there a pathway to customer ownership? The
initial term length is 25 years, but there is an option for the transfer to homeowners at fair market value after the initial 6-year period.
What happens when the home is sold? The system
is fully transferable. If you sell your home, the new buyer can easily take over the agreement with no
risk, credit check, or underwriting required. All we
ask is that a simple transfer notice is provided as
part of the process.wau
Interested in becoming a certified installer for the Synthetic Cash offer?
Contact channel@participate.energy