How to finance your solar system
Not everyone can pay for a solar system in cash — and you don't have to. There are financing options designed specifically for solar projects that let your monthly savings cover (or even exceed) the loan payment from the very first month. We walk you through the real options and support you through the whole process.
How we help you manage the financing
We're not a bank, and we don't lend directly. But here's what we do:
Complete financial modeling of your project with IRR, NPV and discounted payback.
Technical report that banks require to evaluate the project.
Presentation to the bank we prepare and handle the entire process with the bank. You just sign.
Three ways to finance your solar system
Direct purchase
Best financial returnPayments tied to milestones: down payment, installation and completion. No interest, no debt. The asset goes 100% onto your balance sheet from day one, and the savings it generates are yours from the very first month.
Ideal for Clients with available cash who want to maximize their return and keep debt off their balance sheet.
Traditional bank loan
Most accessibleA personal or commercial loan with no special requirements. The trade-off is that rates tend to be higher and terms shorter than green credit lines. If you don't have access to green credit or you need to move fast, this is the most direct route.
Ideal for Clients who want to preserve their cash or who don't qualify for a green financing line.
Green credit / Banca para el Desarrollo
Best termsFinancing lines designed specifically for renewable energy projects and reducing environmental impact: lower rates than traditional credit and longer terms.
Ideal for Small and mid-sized businesses (pymes) and companies that meet the technical and financial requirements of these sustainability programs.
We work with BAC, Promerica, Banco de Costa Rica, Banco Nacional and Banco Popular. Whatever option you choose, we prepare and handle the entire process with the bank. You just sign.
Options compared
| Option | Total cost | Annual rate | % financed | Typical term | Ideal for |
|---|---|---|---|---|---|
| Direct purchase | Lowest | No interest | — | Milestone-based | Available cash |
| Traditional loan | Medium | 8-15% | Up to 80% | 3-7 years | Fast access, no green requirements |
| Green credit / SBD | Low | 3-5% | Up to 100% | 5-10 years | Best rate/term combination |
Rates are indicative and are set by the bank based on your profile and market conditions at the time. In the formal proposal we model the cash flow of each option so you can decide with real numbers which one has the best IRR and which one has the best monthly payment.
Request your financial study
Tell us about your project and we'll model the cash flow of each financing option, so you can decide with real numbers which one works best for you in monthly payment and in return.