Funding for Solar Installers

Cover panels, materials, and payroll before the customer or utility pays. $10K–$5M, approved on your bank deposits, funded in as little as 24 hours.

The solar installer's cash-flow squeeze

You sign the contract, you buy the panels and racking upfront, and you pay the crew every week the job is on the roof. Then you wait — for the customer's final draw, for the financing company to release funds, or for the utility to sign off on interconnection and net metering. That gap between money out and money in is where most solar shops get pinched, and it gets worse the busier you are.

Working capital bridges that gap. Instead of turning down installs because your cash is tied up in the last three jobs, you buy the equipment, cover the labor, and keep booking work while you wait to get paid.

A real dollar example

Say you land a $60,000 residential install. You put roughly $22,000 into panels, inverters, and racking upfront and another $9,000 into crew labor over the two weeks on site. The homeowner's solar lender releases the final draw — but not until after permission-to-operate from the utility, which lands 6 weeks after your crew packs up. That's over $31,000 of your money out the door for a month and a half before you see a dime back.

Run three or four of those at once and you're tens of thousands short even though your books look great. A $40,000 advance covers the materials and payroll on the next job now, and you pay it back out of the draws as they come in — instead of stalling your pipeline.

Why deposits, not your credit score

• $10,000 to $5M — sized to a single residential run or a full commercial array.
• Approved on your bank deposits — we look at the revenue moving through your account, not your FICO. Credit scores of 500+ are fine.
• Soft pull to check — seeing your options won't ding your credit.
• No collateral for working capital — your panels and trucks stay yours.
• Funded in as little as 24 hours — because a job that starts Monday can't wait two weeks for a bank.

Solar revenue is lumpy — big deposits when draws land, quiet stretches in between. Deposit-based underwriting reads that pattern instead of penalizing you for it.

How fast is "same day," honestly

If you send your recent bank statements and sign your approval before early afternoon Eastern on a weekday, funding can hit the same day. Send it late in the day and it's typically next morning. Apply Friday and funds generally land Monday. No games — that's the real timeline.

Straight answers

What can I use solar funding for?

Anything the business needs — panels, inverters, racking and materials, crew and electrician payroll, permits and interconnection fees, trucks and tools, or simply bridging the gap until a customer or utility pays.

Do I need perfect credit?

No. Approval is based on the deposits in your business bank account. FICO 500+ works, and checking your options is a soft pull that won't affect your score.

How much can a solar company get?

Anywhere from $10,000 to $5M. The amount is driven by your monthly revenue and deposit history, so a shop running larger commercial jobs qualifies for more.

What do I need to apply?

Your most recent business bank statements and a completed application. That's usually enough to get an offer back quickly.

How long until I'm funded?

As little as 24 hours. Statements plus a signed approval before early-afternoon ET on a weekday can fund the same day; Friday requests generally fund Monday.