Talked to Solar Installers
and the Numbers Didn't Work?
Propel Just Changed the Math.
Most solar companies near you are quoting a product that inflates your price before you sign. Propel Financing by Concert Finance eliminates dealer fees, applies a 30-40% discount at signing, and locks in a fixed payment that creates positive cash flow from month one.
Most Solar Installers Quote You a Payment. We Show You the Full Picture First.
Residential solar companies have trained homeowners to compare monthly payments. That comparison hides thousands of dollars in markup. Propel Financing by Concert Finance was built to eliminate both traps simultaneously.
The Dealer-Fee Loan Trap
Most solar installation companies roll 15-30% in dealer fees into your financed amount before you ever see a quote. You technically own the panels, but you're paying interest on an inflated price from day one. Top solar companies rarely lead with this detail.
The Escalator PPA Trap
PPAs can look attractive initially, but many solar panel companies include annual payment escalators of 1-3% per year. By year 10 your "low" payment has quietly crept up and you still don't own anything. Compare what you're being offered before you sign.
Propel Financing by Concert Finance eliminates both traps — simultaneously.
A Smarter Structure Built for the Homeowner — Not the Installer
Propel front-loads the value into your deal before a single dollar of interest accrues. This is why most local solar companies aren't authorized to offer it.
Propel Discount Applied at Signing
Concert Finance applies a 30-40% discount directly to your system cost before financing begins. Most solar panel installation companies near you don't have access to this structure.
Finance the Reduced Amount
Because the Propel discount has already lowered your balance, your monthly payment is genuinely competitive from the start — not a teaser rate that adjusts later.
Fixed Payment — 25 Years
Your Propel payment never escalates. As California utility rates continue rising ~6% per year, the gap between what your neighbors pay and what you pay grows wider every month.
Ownership Transfers at Year 5
Propel Financing transfers ownership to you after year 5, adding $28K-$66K+ to your home's value. No lease transfer complications when you sell.
Zero Markup Baked In
The Propel discount comes first. You finance a fair price, not one inflated by the installer's margin.
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
Accelerate ownership in year 3 or year 12. No fees, no restrictions, entirely your timeline.
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 vs. What Other Solar Companies Are Quoting You
A low year-one payment from a solar installer near you is not the same as the best long-term value. Here is what the comparison actually looks like.
| Feature | ⚡ Propel Financing | Traditional Loan | PPA / Lease |
|---|---|---|---|
| Money out of pocket | $0 to start | Often required | $0 to start |
| Dealer fees in price | None — Propel discount applied first | Yes — often 15-30% | N/A |
| Payment escalation | Fixed — never increases | Fixed | 1-3%/year common |
| Upfront discount | ~30-40% Propel discount at signing | No | No |
| Ownership | Transfers at year 5 | Immediate (inflated cost) | May never own |
| Prepayment penalty | None — pay off any time | Often yes | N/A |
| Federal tax credit | 30-40% eligible (inc. Energy Community) | 30% (homeowner claims) | Not available to homeowner |
| Home value impact | Positive — builds equity | Positive | Complex — lease transfer |
← Scroll to see full comparison on mobile
The Opportunity Cost of Waiting — or Signing the Wrong Deal
California utility rates have risen ~6% annually for decades. Every month you stay on the grid, or locked into a dealer-fee loan, compounds the gap between what you're paying and what Propel homeowners pay.
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 Comparison Proposal Built for Your Exact Home
Not a generic solar quote. Every Propel proposal is custom-built using satellite imagery of your roof, your local utility rate, and your real usage history. Compare it against anything else you've been shown.
Your Bill Today vs. Your Fixed Propel Payment
We show your current utility bill side-by-side with your proposed fixed Propel payment so the comparison is immediate and undeniable.
- 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 includes a satellite-based system design and a monthly production chart so you can verify the numbers yourself before committing.
- 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 an estimate from a solar installer's brochure.
Not Estimates. Actual Custom Savings Reports.
These are real Propel proposals built from satellite imagery, local utility data, and real consumption history. These are the numbers local solar companies aren't leading with.
What California Homeowners Are Saving with Propel
Built from real utility rates, real roof data, and real consumption history. This is what a comparison proposal from a local solar advisor who can actually offer Propel looks like.
What Homeowners Ask Before They Compare Proposals
Don't Sign With Any Solar Company Yet.
Get Our Proposal First. Then Decide.
Most homeowners who contact us have already talked to one or two solar installers near them. What they haven't seen is a Propel proposal. Get a custom comparison built from satellite imagery, your local utility rate, and your actual energy usage. Free, no obligation, and specific to your home.