Asset Finance

Invest in Solar. Spread the Cost.

Q: Do we own the system?

With hire purchase, ownership transfers to your business at the end of the contract under the agreed pathway. With leasing, ownership and end-of-term arrangements are determined by the lease.

Q: What will the finance cost?

Cost depends on the structure, term and provider approval. Every project is assessed individually and figures are confirmed only in a tailored proposal, never estimated before survey.

Q: What do finance providers look at?

Providers typically assess your business circumstances, trading history and the project itself. We only present structures appropriate to your situation, and eligibility is always confirmed by the provider.

Q: Can we settle the agreement early?

Early settlement depends on the terms of your specific finance agreement. We explain the position clearly before you commit to any structure.

Finance your commercial solar installation through structured payments instead of committing the full cost upfront. Keep capital working in your business while building a long-term owned energy asset.

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The basics

What is solar asset finance?

Solar asset finance lets your business acquire a commercial solar system through structured payments over an agreed term, rather than paying the full cost upfront. Terms of up to 10 years are available, subject to eligibility and provider approval.

SolarTech works with established commercial finance providers and presents only structures appropriate to your circumstances. Depending on the arrangement, ownership typically rests with your business from the outset, with the system generating value across its operating life.

In brief

Reduced initial cash requirement. Finance terms of up to 10 years, subject to eligibility and provider approval. A choice of financing structures where available, including hire purchase and leasing.

Two structures

Hire purchase and leasing, side by side

Both spread the cost of your solar investment. The difference is how ownership works over the term and at the end of it.

Hire Purchase

Instalment-based financing with a contractual pathway to ownership.

Agreement signedYou enter a hire purchase agreement for the solar system with agreed instalments.

Regular instalmentsYou pay fixed instalments across the agreed term, subject to your finance agreement.

Final paymentAt the end of the term, a final payment completes the contract.

Ownership transfersOwnership of the system passes to your business under the contractual pathway to ownership.

Hire purchase suits businesses that want a clear contractual route to owning the asset while spreading the cost.

Leasing

Use the equipment through regular lease payments, with ownership and end-of-term arrangements determined by the lease.

Lease agreement signedYou lease the solar equipment from the finance provider for an agreed term.

Regular lease paymentsYou make regular lease payments across the term of the lease.

Use across the termYour business uses the system and the electricity it generates throughout the lease period.

End-of-term optionsOwnership and end-of-term arrangements are determined by the terms of the lease.

Leasing suits businesses that want the use of the equipment without the commitment of purchasing it outright.

Is it right for you?

Who solar asset finance suits

Asset finance is designed for organisations that want the ownership benefits of a solar system without committing the full purchase cost upfront, and that prefer predictable structured payments.

Your business wants to preserve working capital rather than pay the full system cost upfront.

Owning the long-term asset matters to your organisation.

You prefer structured, predictable payments over an agreed finance term.

You want the generation benefits of your own system across its operating life.

The benefits

What solar asset finance delivers

Reduced initial cash requirement

Spread the system cost across structured payments instead of one significant capital outlay.

Predictable payment structure

Where applicable, fixed payments make budgeting straightforward across the finance term.

Potential ownership benefits

Depending on the structure, your business typically owns the asset and its generation.

Terms up to 10 years

Finance terms of up to 10 years are available, subject to eligibility and provider approval.

Preserve working capital

Keep capital available for your core operations while investing in energy infrastructure.

A long-term owned asset

The system generates electricity for decades, building long-term operational value.

The process

From first conversation to first kWh

01
Site assessment
We review your site and consumption to size the right system and confirm finance is appropriate.
02
Finance structuring
We present hire purchase, leasing or other suitable structures from established commercial finance providers.
03
Approval and installation
Once finance is approved by the provider, we design and install your system.
04
Generation and support
Your system generates across its operating life, with agreed ongoing support from SolarTech.

Our role

SolarTech's role in delivery and support

We structure the finance, deliver the installation and support the system for its operating life.

Honest assessment

We assess your site and circumstances and only present finance structures that genuinely fit.

Finance arrangement

We work with established commercial finance providers and manage the structuring for you.

Delivery

Our team designs and installs the system with minimal disruption to your operations.

Long-term support

We support the system after installation, with maintenance and monitoring options available.

Questions

Solar asset finance FAQs

What is the difference between hire purchase and leasing?−

Hire purchase is instalment-based financing with a contractual pathway to ownership: a final payment completes the contract and ownership transfers to you. With leasing, your business uses the equipment through regular lease payments, and ownership and end-of-term arrangements are determined by the terms of the lease.

How long are the finance terms?+

Do we own the system?+

What will the finance cost?+

What do finance providers look at?+

Can we settle the agreement early?+

Other funding options

01Fully Funded Solar (PPA)No upfront investment. Pay for the solar electricity your system generates.

03Outright PurchaseOwn your solar system and capture its long-term value.

Knowledge Base

Insights on Solar Asset Finance

Practical insight from our commercial team, drawn from the SolarTech Knowledge Base.

Knowledge Base3 min read

The CFO’s Guide to Commercial Solar PPAs: Risk, Liability, and Long-Term Value

A strategic analysis for UK finance directors on the financial and legal considerations of commercial solar Power Purchase Agreements (PPAs) versus capital expenditure.

Read Article Knowledge Base3 min read

Business Rates Relief for Solar: A 2026 Update for Property Owners

Navigating the intersection of renewable energy investment and property taxation. We clarify the current business rates exemption status for solar PV and what the 2035 policy horizon means for your commercial assets.

Read Article

View All Insights

Funding proposal

Your Energy Future Starts Here.

Tell us about your site and priorities. We will prepare a tailored funding proposal, and give you an honest view, including when solar is not the right answer.

See delivered projects