Flexible Financing Options | Solar & Roofing | Progressive Energy Solutions

Flexible Financing for Your Home Improvement Projects

Make solar, roofing, and home upgrades affordable with competitive rates, flexible terms, and quick approvals. We work with your credit score to find the best financing solution.

Calculate Payment Apply Now

💰 More Options = Better Rates

Multiple lending partners ensure competitive pricing

⚡ Quick Approvals

Get approved in minutes, not days

✓ We Work With Your Credit

Competitive options even with lower scores

🌞 Make Clean Energy Affordable

Lower monthly payments than your electric bill

Choose Your Financing Option

We offer multiple ways to finance your project, ensuring you find the perfect fit for your budget and goals.

💵

Cash Purchase

Best Value

Get the highest return on investment with upfront payment and maximum savings.

✓ Special cash discounts
✓ No interest charges
✓ Immediate ownership
✓ Maximum ROI

📊

Purchase Financing

Solar PPA

$0 Down

Pay only for the power you use with a Power Purchase Agreement. No upfront costs.

✓ $0 down payment
✓ Terms up to 30 years
✓ Pay per kWh produced
✓ Maintenance included

🔑

Solar Lease

Simple & Easy

Fixed monthly payments for solar power with no ownership responsibility.

✓ Predictable payments
✓ No maintenance costs
✓ Easy qualification
✓ Hassle-free operation

Calculate Your Monthly Payment

See how affordable your project can be with our financing calculator. Adjust the loan amount and term to find your perfect payment.

Project Cost

Loan Term: 20 Years

Interest Rate (APR)

*This calculator provides estimates only. Actual rates may be higher or lower based on credit score, project type, and lender approval. Additionally, rates and terms are subject to change. Contact us for personalized quotes.

Real Solar Financing Example

See how financing a solar system compares to continuing to pay your electric utility. In many cases, your monthly loan payment is less than your current electric bill!

Current Electric Bill

$200/mo

Monthly Cost $200

Annual Cost $2,400

25-Year Cost $60,000+

Rate Increases 3-5% yearly

You Own: Nothing

With Solar Financing

$158/mo

7kW system at 4.49% APR, 20 years

Monthly Payment $158

Electric Bill (10% remaining) $20

Total Monthly Cost $178

Monthly Savings $22

You Own: $25,000 System

Comparison	Keep Paying Utility	Finance Solar System
Monthly Cost	$200 (increasing yearly)	$178 (fixed for 20 years)
After 5 Years	$12,000+ paid, own nothing	$10,680 paid, building equity
After 20 Years	$60,000+ paid, own nothing	$38,000 paid, own system free & clear
Years 21-30	Continue paying rising rates	Virtually free electricity!
30-Year Benefit	-$100,000+ expense	$60,000+ savings

Start saving from day one! Furthermore, after your loan is paid off, you'll enjoy decades of virtually free electricity.

Get Your Custom Quote

Roofing Financing Made Simple

Don't let budget concerns delay necessary roof repairs or replacement. Consequently, with affordable monthly payments, you can protect your home now and pay over time.

Typical Roof Replacement

$20,000 Project

Project Cost $20,000

Financed at 4.49% APR 20 Years

Monthly Payment $127

Total Interest Paid $10,341

Total Investment $30,341

Benefits of Financing Your Roof

🛡️

Protect Your Home

Don't wait for costly water damage

💰

Preserve Savings

Keep your emergency fund intact

📈

Increase Home Value

New roof adds resale value

⚡

Lower Energy Bills

Energy-efficient roofing saves money

Financing Available for All Our Services

We offer flexible financing options for every home improvement project. Moreover, there's no limit on loan amounts - we'll work with you regardless of project size.

☀️

Solar Systems

Cash, loans, PPAs & leases

🏠

Roofing

New roofs & repairs

🔋

Battery Backup

Energy storage systems

🪟

Windows

Energy-efficient upgrades

❄️

HVAC

Heating & cooling systems

💡

LED Lighting

Interior & exterior

🌱

Landscaping

Drought-resistant options

🏊

Pool Heating

Solar pool systems

Federal Solar Tax Credit

The Federal Investment Tax Credit (ITC) currently provides a 30% tax credit for solar energy systems. However, tax credits are subject to change based on legislation and individual circumstances. In particular, we recommend consulting with your tax advisor to understand how these incentives apply to your specific situation.

Example: $25,000 Solar System

System Cost: $25,000

Federal Tax Credit (30%): -$7,500

Net Cost: $17,500

*Progressive Energy Solutions is not a tax advisor. Tax credits and incentives vary based on individual circumstances and are subject to change. Please consult with a qualified tax professional regarding your eligibility and benefits.

Trusted by Thousands of Inland Empire Homeowners

5,000+

Projects Financed

25+

Years Experience

Multiple

Lending Partners

2.99%

Rates As Low As

Ready to Apply?

Choose your application method below. Get approved in minutes and start your project today!

🚀 Apply Online

Fast, secure online application through our lending partner. Get instant pre-approval!

Apply at Energy Loan Network

*Please enter "Progressive Energy Solutions" as your contractor

📞 Call Us

Prefer to speak with someone? Call us and we'll guide you through the financing process.

Call (888) 603-4255

Monday-Friday: 8am-6pm
Saturday: 9am-4pm

Get a Personalized Financing Quote

Tell us about your project and we'll provide customized financing options tailored to your needs.

What service are you interested in? *

Name *

Email *

Phone *

Estimated Project Cost (if known)

Tell us about your project

Or contact us directly:

Solar Questions:
Solar Contact Form

Roofing Questions:
Roofing Contact Form

Other Services:
Other Products Form

Financing Frequently Asked Questions

What credit score do I need to qualify for financing?

We work with multiple lending partners to provide financing options for a wide range of credit scores. Generally, we can help homeowners with competitive credit, and in many cases, we can work with lower FICO scores as well. Additionally, even if you've been turned down elsewhere, contact us - our variety of lending partners means we have more flexibility than most contractors.

How long does the approval process take?

In most cases, you can receive a financing decision in minutes. Specifically, our online application process with Energy Loan Network provides instant pre-approval for qualified applicants. However, final approval and funding typically take 1-3 business days depending on the lender and documentation required.

Do you offer $0 down financing?

Yes! We offer $0 down financing options on solar systems (through purchase loans, PPAs, and leases) and roofing projects. Consequently, you can start your project without any upfront investment. In particular, solar PPAs and leases require no down payment and include maintenance.

What's the difference between a loan, PPA, and lease for solar?

Purchase Loan: You own the system and make monthly loan payments. You receive all incentives and tax credits. After the loan is paid off, you own the system free and clear.

PPA (Power Purchase Agreement): We own the system, you pay only for the electricity it produces at a fixed rate per kWh. Typically lower than utility rates with $0 down and no maintenance responsibility.

Lease: Fixed monthly payment for 20-30 years. We own and maintain the system. Simple and predictable, but you don't receive tax credits.

Can I pay off my loan early without penalty?

Most of our financing options allow early payoff without penalties. However, this varies by lender. We'll clearly disclose any prepayment terms before you sign. Furthermore, paying off your loan early can save you significant interest costs over time.

What interest rates can I expect?

Interest rates vary based on credit score, loan term, and project type. Generally, our rates start as low as 2.99% APR for well-qualified buyers. Additionally, typical rates range from 3-8% depending on your specific situation. Contact us for a personalized rate quote based on your credit profile.

Is there a minimum or maximum loan amount?

No! We have no limits on loan amounts. Whether your project costs $5,000 or $100,000+, we can work with you to find appropriate financing. Moreover, our multiple lending partners give us flexibility to handle projects of all sizes.

How does financing affect the Federal Solar Tax Credit?

If you purchase your solar system through a loan, you still qualify for the 30% Federal Investment Tax Credit (ITC). However, if you choose a PPA or lease, the system owner (not you) receives the tax credit, though you benefit through lower electricity rates. In particular, consult with a tax professional to understand how this applies to your situation, as tax laws are subject to change.

Will applying for financing affect my credit score?

Pre-qualification typically uses a soft credit check that doesn't affect your score. However, once you proceed with a formal application, a hard credit inquiry will be performed, which may have a minor temporary impact on your credit score. Ultimately, making on-time payments on your home improvement loan can actually help improve your credit score over time.

Start Your Project Today with Affordable Financing

Don't wait to improve your home. With flexible financing options and competitive rates, your dream project is more affordable than you think.

Calculate Payment Apply Now Call (888) 603-4255

Progressive Energy Solutions
570 Nevada St, Suite L | Redlands, CA 92373
License #926487 | Serving the Inland Empire Since 1998