Cash, loan, PPA, or pre-paid lease. Our PPA underwrites at 620 FICO — the floor most national installers will not touch. $0 down on three of four structures. No credit pull until you apply.
By the numbers
Cash gets the highest lifetime savings. Loan gets you ownership without upfront capital. PPA gets you on the system at $0 down with imperfect credit. PPL is for cash buyers who want third-party O&M.
$0 financing, max savings
Pay upfront. You own the system day one and keep every dollar of bill savings for 25+ years. Commercial cash buyers also claim up to 40% federal ITC; residential ITC no longer applies in New England.
Best for: highest lifetime ROI
5–25 yr terms
Secured or unsecured, $0 down available. You still own the system. Commercial owners also claim up to 40% federal ITC. Most homeowners pick this.
Best for: own the system, spread the cost
$0 down · 620+ FICO
Third-party owns the system. You buy the power at a fixed rate typically below your utility from day one. Underwrites at 620 FICO — the floor most national installers will not touch.
Best for: $0 down with imperfect credit
Pre-paid 25-yr lease
Pay the lease upfront, lock in the rate for 25 years. Third-party handles all O&M; you skip ITC paperwork.
Best for: cash buyers who want hands-off O&M
Four questions, four answers. The right structure usually picks itself once you say what you need.
If you have the money set aside and want maximum lifetime savings, pay cash. You keep 100% of bill savings. Commercial cash buyers also claim up to 40% federal ITC; residential ITC no longer applies in New England.
A secured or unsecured solar loan with $0 down is the most common path. You still own the system and claim the ITC. Most homeowners pick this.
Our PPA underwrites at 620 FICO — the floor most national installers will not touch. $0 down, fixed rate, no system ownership. Bill savings start day one.
Pre-paid lease (PPL) lets you pay upfront and skip ITC paperwork — third party claims it. Best for retirees with low taxable income.
Most installers push one structure they are paid more on. We are paid the same regardless — and we tell you which structure fits.
Loan, PPA, and PPL all available with zero money down. Cash is the only structure that requires upfront capital.
Most installers require 700+ FICO for a PPA. Teamsun underwrites at 620. This is a meaningful moat for homeowners turned away elsewhere.
When you bundle a battery into a new solar contract, the battery price drops below standalone retail. Same Tier 1 brands, same warranty.
A free Teamsun consultation requires no credit check. We model your savings and lay out the four structures — you only pull credit when you decide to apply.
Residential ITC no longer applies in New England, but with high energy costs, state rebates, and CT ESS coverage from $5,000 up to 100% by location, our systems will always save you money. Commercial systems also stack up to 40% federal ITC. We file every form with you.
Federal ITC
Up to 40%
Still available for commercial systems. Residential ITC no longer applies in New England, but our systems still save homeowners money on high energy costs.
CT ESS battery rebate
From $5,000
Certified CT ESS Install Program Partner. Minimum $5,000 rebate — depending on location, up to 100% of the battery cost can be covered.
Net metering
Full retail
1:1 offset on what your panels send back to Eversource or UI.
CT property tax exemption
$300 – $700/yr
System value excluded from your assessment. Sales tax also exempt.
Connecticut, Massachusetts, and Rhode Island. Every pin is a Teamsun install. We're licensed in ME, NH, VT, and FL too.
“Teamsun was the only crew that walked the roof, named the panel brand, and answered every question without checking with someone. Same lead tech came back a year later when I added a battery.”
“Three of my neighbors had Teamsun, so I called them. The crew was on my street five days after I signed.”
“They knew the historic district secretary by first name. Saved us six weeks on permitting alone.”
“Same lead tech who installed it came back four years later to swap an inverter under warranty. No charge, no excuses.”
Cash and pre-paid lease require no credit check. Loans typically start at 680 FICO. Our PPA underwrites at 620 FICO — the lowest threshold of any major installer in New England. Every application is reviewed individually; FICO is the floor, not a guarantee.
Residential ITC no longer applies in New England, so the question is mainly commercial. On a commercial PPA, the third-party owner of the system claims the up-to-40% ITC and you benefit indirectly through a lower fixed rate per kWh. On commercial cash and loan structures, you claim the ITC directly. Speak with your CPA — we provide the project file.
Most of our lender partners do not have prepayment penalties, but specific loan products vary. Every loan offer comes with a written disclosure that names any prepayment penalty in plain English. Ask before you sign.
APR depends on your credit profile, the loan term, and current rates. We do not quote specific APRs on the website because they change weekly and vary by applicant. You will see the exact APR on the lender disclosure before you sign anything.
Most PPAs include a buyout clause at year 7 or year 10 that lets you purchase the system at fair market value. Read your specific PPA contract — terms vary by lender. Teamsun walks through the buyout schedule during your consultation.
Most residential PPAs have an annual escalator of 0 – 2.9% built in. Even with the escalator, the rate typically stays below your local utility rate for the entire 25-year term. Some Teamsun-arranged PPAs have a 0% escalator — ask during your consultation.
Cash and loan: the system stays with the home and adds resale value. Loan: you can pay off, or transfer to the buyer (subject to lender approval). PPA/PPL: the agreement transfers to the new owner if they qualify; otherwise you can buy out the system before closing.
Batteries finance the same way as solar — cash, loan, or PPA — typically rolled into the same contract. Standalone battery financing (no solar) is available cash or loan; not all PPA programs include battery-only structures.
For commercial systems: yes. The ITC is claimed in the year your system is placed in service, regardless of how you finance it later. Refinancing the loan does not affect ITC eligibility. Residential ITC no longer applies in New England. Speak with your CPA for filing specifics.
Three quick questions during the consultation: do you have cash on hand, what is your tax appetite, and what is your FICO. The answer to those usually narrows it to one or two structures. We do not push a structure we are paid more on — Teamsun is paid the same regardless.
Tell Teamsun about your property, energy goals, and questions. We will help you identify the right next step for the project.
Start with the property
Share the address,
utility, and project goal.
Confirm availability
Teamsun will confirm
coverage for your address.
Match the next step
Solar, storage, roofing,
EV charging, or service.
