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Commercial Finance for Businesses With Zero Upfront

By installing solar or energy-efficient equipment, your electricity costs can significantly decrease, often by up to 60% immediately after installation. 

The savings on your energy bills generally exceed the cost of your monthly instalments, making the investment cash-flow positive from the start.
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commercial solar finance

The benefit of solar finance

money
Take control of costs
Manage your bills effectively and provide your business with greater certainty over future expenses.
payment
No upfront payments
Start without paying anything upfront, with flexible plans and instalment options to suit your business.
piggy bank
Improve cash flow
Energy savings can make your new equipment immediately cash-flow positive.
time
Quick and simple
If your panels, inverter or battery fail within your plan term and can't be repaired, we'll install replacements at no extra cost.
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Exceptional value
If your panels, inverter or battery fail within your plan term and can't be repaired, we'll install replacements at no extra cost.
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Finance options

CAPEX Purchase
Outright Ownership
Net Cost: £75,000

System Cost: £100,000
Tax Relief: £25,000 (Year 1)
Net Cost: £75,000

  • Fastest payback: You keep 100% of the energy savings.
  • Asset owned outright: The strongest balance-sheet asset.
  • Immediate Tax Relief: 100% Capital Allowance (AIA) in Year 1.
  • Eligible for export income from excess power.
How CAPEX works

1. Survey & Quote
We design your system and provide a clear, fixed-price proposal.
2. Install Your Equipment
Our team installs your solar and energy-saving equipment.
3. Direct Payment
You pay the invoice directly (milestone payments available).
4. Claim Tax Relief
Your accountant claims 100% Annual Investment Allowance (AIA) in year one.

Why this is attractive:
Fastest payback, maximum lifetime return, strongest balance-sheet asset.

Pay As You Save
Solar Lease / Asset Finance
No Upfront Capital

System Value: £100,000
Annual Lease: £12,000
Tax Relief: £3,000 (25% rate)
Net Annual Cost: £9,000

  • Cashflow positive: Savings often exceed payments from year one.
  • Tax Treatment: Payments are treated as operating expenses (fully deductible).
  • Effective Relief: For every £1 spent, you save ~25p in corporation tax.
  • Predictable costs: Fixed monthly payments for easier budgeting.
How Pay As You Save Works

1. Apply Online
Complete a quick application with instant approval options.
2. Install Your Equipment
Your chosen supplier installs the energy-saving equipment.
3. We Pay Your Supplier
The finance provider purchases the asset (ownership sits with funder).
4. Tax Deductible Payments
You pay monthly. Since the funder claims capital allowances, you claim payments as expenses.

Fully Funded PPA
Power Purchase Agreement
Zero Capital Outlay

System Cost: £0 (Funded by us)
Annual Spend: £15,000 (Example)
Tax Relief: £3,750 (25% rate)
Net Energy Cost: £11,250

  • Zero capital outlay: The funder covers 100% of installation costs.
  • Off-balance-sheet: Does not affect your borrowing capacity.
  • Tax Treatment: Electricity costs are a fully deductible operating expense.
  • Risk-free: Immediate bill reduction with no operational risk.
How PPA's work

1. Assess Your System
We design a solar system tailored to your energy usage.
2. Installation at No Cost
The provider installs the solar panels without any upfront expense.
3. Lower Electricity Costs
You purchase electricity from the panels at a lower, fixed rate.
4. Complete Care
The provider owns, maintains, and upgrades the system for the entire term.

Comparison Summary

Funding Option Upfront Cost Capital Allowance Tax Saving Example
CAPEX Purchase £100,000 £25,000 (Year 1) One-off
Pay As You Save £0 Via lease deductions ~25% of payments
Fully Funded PPA £0 Via energy cost deductions ~25% of energy spend

Does the math work for your business?

Use this calculator to estimate your monthly repayments and compare them against your current energy bill savings.

  • Instant Cash Flow: In many cases, the monthly energy savings exceed these finance payments, making the project cash-flow positive from month one.

  • Budget Certainty: Lock in fixed monthly costs that protect your business from future energy price hikes.

  • Keep Your Capital: Retain your cash reserves for other operational needs while we fund the infrastructure.

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*Please note this indicative cost is based on an average interest rate and your finance quotation may differ once a credit search is carried out

solar grant assistance for businesses

Grant Assistance for Businesses

Go Green with Fusion Solar

Government grant funding for commercial solar can significantly reduce project costs, but schemes are often complex, highly specific, and change annually.

To address this, we work with a dedicated grant specialist whose sole role is to identify, secure, and manage funding on behalf of our clients. She previously worked within grant-issuing organisations, giving her direct insight into how applications are assessed and how to structure submissions for higher approval rates.

She manages the entire process to remove the administrative burden:

  • Sourcing: Finding hidden or "invisible" grant pots.
  • Strategy: Interpreting strict eligibility criteria.
  • Application: Completing submissions in line with assessor expectations.

We have seen grants contribute up to 50% of the capital cost in certain cases, with some schemes providing funding from £10,000 upwards. Working with us ensures you benefit from both a professionally designed solar system and the expertise to access funding that might otherwise be missed.

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Commercial finance FAQ's

Is this only for commercial customers?

Yes, this finance is dedicated commercial funder, which means we only offer payment solutions for organisations such as businesses, schools and other organisations, including not-for-profit.

What are the business benefits of paying for equipment using a payment solution?

Our payment solutions allow businesses to acquire equipment without using up valuable capital. With no upfront costs, you can spread the payments through manageable monthly instalments, helping to maintain a healthy cash flow.
The specific advantages depend on the chosen payment option, but all solutions focus on freeing up capital, enabling you to invest in other growth opportunities. Start using your new equipment right away while allocating your resources to other areas of your business.

How can installing solar and energy-efficient equipment with payment solutions become a cash-flow positive investment?

By installing solar or energy-efficient equipment, your electricity costs can significantly decrease, often by up to 60% immediately after installation. The savings on your energy bills generally exceed the cost of your monthly instalments, making the investment cash-flow positive from the start.

Can I write off my smart, solar and energy-efficiency equipment as a tax deduction?

The payment solution you choose could allow your equipment to be classified as a fully tax-deductible operating expense, or you might be eligible to claim interest and depreciation at tax time.
For businesses using a solar PPA, the electricity consumed and paid for may also qualify as a tax-deductible expense. Be sure to consult with your accountant to understand how these tax benefits apply to your specific circumstances.
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