Solar That Saves You Money From Day One — And Builds Toward Ownership
Propel Financing by Concert Finance gives you no money out of pocket, no escalating payments, and no dealer-fee inflation — just a fixed monthly payment and a clear path to owning your system.
Most Solar Deals Force You to Choose Between Affordability and Ownership
The traditional solar market has left homeowners stuck with a false choice. Propel Financing by Concert Finance was purpose-built to eliminate both traps at the same time.
The Dealer-Fee Loan Trap
You technically own the panels, but the financed price is inflated by hidden dealer fees — meaning you're paying for thousands of dollars in markup before the panels even turn on.
The Escalator PPA Trap
PPAs can look attractive on day one, but many include annual payment escalators of 1–3% per year. By year 10 or 15, your “low” payment has quietly crept up — and you still don't own anything.
Propel Financing by Concert Finance eliminates both traps — simultaneously.
A Smarter Structure, Built for the Homeowner
Propel Financing by Concert Finance front-loads the value into your deal — before a single dollar of interest accrues.
Propel Discount Applied at Signing
Concert Finance applies a substantial Propel discount — 30% to 40% of system cost — directly to your project price before financing.
Finance the Reduced Amount
Because Propel has already lowered your balance, your monthly payment is genuinely competitive — not a teaser rate that balloons later.
Fixed Payment — 25 Years
Your Propel payment never escalates. As utility rates continue to climb at ~6%/year, the gap between what your neighbors pay and what you pay grows wider every single month.
Ownership Transfers at Year 5
Propel Financing is structured so that ownership transfers to you after year 5 — adding $28K–$66K+ to your home's value.
Zero Markup Baked In
The Propel discount comes first, so you're financing a fair price — never an inflated one.
0% Annual Payment Increase
Your Propel payment is locked for the full 25-year term. The longer you stay, the more you save relative to the grid.
Pay It Off Any Time
No prepayment penalty. Accelerate ownership in year 3 or year 12 — entirely your choice, no fees.
30–40% Federal Credit Eligible
Homeowners may be eligible for the 30% Federal Clean Energy Tax Credit — plus an additional 10% in designated Energy Communities.
Propel Financing vs. Traditional Options
A low year-one payment is not the same as the best long-term value.
| Feature | Traditional Loan | PPA / Lease | ⚡ Propel Financing |
|---|---|---|---|
| Money out of pocket | Often required | $0 to start | $0 to start |
| Dealer fees in price | Yes — often significant | N/A | None — Propel discount applied first |
| Payment escalation | Fixed | 1–3%/year common | Fixed — never increases |
| Upfront discount | No | No | ~30–40% Propel discount at signing |
| Ownership | Immediate (inflated cost) | May never own | Transfers at year 5 |
| Prepayment penalty | Often yes | N/A | None — pay off any time |
| Federal tax credit | 30% (homeowner claims) | Not available to homeowner | 30–40% eligible (inc. Energy Community) |
| Home value impact | Positive | Complex — lease transfer | Positive — builds equity |
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Visualizing the Compounding Opportunity Cost
Utility rates have risen ~6% annually for decades. The chart below shows what staying on the grid actually costs — vs. locking in a fixed Propel payment today.
Cumulative net savings: Propel Financing vs. doing nothing
The blue line is money back in your pocket with Propel. The red dashed line is the growing cost of doing nothing. Break-even hits around year 10, then savings compound rapidly.
A Transparent Propel Proposal Built for Your Exact Home
No generic quotes. Every Propel Financing proposal is custom-built using satellite imagery of your roof, your local utility rate, and your real usage history.
Your Bill Today vs. Your Propel Payment
We show you your current utility bill side-by-side with your proposed fixed Propel payment.
- Exact current utility rate for your zip code
- Projected 25-year savings based on real rate escalation data
- Residual utility bill shown — no hidden surprises
- Propel annual increase locked at 0% — always
Month-by-Month Production vs. Your Usage
Your Propel proposal shows a custom satellite-based system design alongside a monthly production chart.
- Aerial roof design — panels placed for maximum output
- Monthly kWh production vs. consumption, every month
- Energy offset percentage — typically 98–103%
- Premium Qcells panels + Enphase microinverters specified
Every number in your Propel proposal is specific to your home, your roof, and your utility rate — not a neighborhood average.
Not Estimates. Actual Custom Savings Reports.
Each Propel proposal is built from satellite imagery, local utility data, and real consumption history.
What California Homeowners Are Saving with Propel
Built from real utility rates, real roof data, and real consumption history.
A Hassle-Free Installation Process
Once you're approved for Propel Financing, we manage every stage and keep you updated through a dedicated app.
Independently Verified. Community Committed.
We aren't just another solar broker. Solar-Advisors.org is one of a select number of installers authorized to offer Propel Financing by Concert Finance.
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What Homeowners Ask About Propel Financing
Your Utility Bill Goes Up Every Year.
Your Propel Payment Won't.
Get a custom Propel Financing savings report built from satellite imagery, your local utility rate, and your actual energy usage. Free, no obligation, and specific to your home.