The situation
The economics of solar or heat pumps often stack over 5-8 years even at market rates — but tying up cash on the capex is the classic barrier. Purpose-built green finance lets the saving pay for the loan.
How we approach it
We match the project to the right funder — asset finance for solar/EV where the equipment is straightforward, commercial mortgage top-ups where the works are integral to the building, specialist green lenders where scale justifies.
What that looks like in practice
- Solar PV, battery storage, EV charging, heat pumps
- Typical terms 5-10 years matched to payback horizon
- Some funders offer preferential green rates
- Grants and tax reliefs (super-deduction successor) factored in
- PPA (power purchase agreement) as alternative to purchase
Typical timeline
- Week 1-2Project scope, capex, payback modelled.
- Week 2-4Funder selection, credit application.
- Week 4-6Payout to installer, works commence.
Common questions
Are green finance rates cheaper?
Sometimes marginally — a few funders offer preferential rates for verified green projects. Impact is real but not transformational.
PPA vs owned solar — which is better?
PPA is zero-capex but capped saving; owned is more capex but more upside. Depends on your cash position and payback tolerance.
Can I include this in a commercial refinance?
Yes — capitalising green works into a commercial mortgage refinance is often the cheapest route where the works are integral to the building.
Green capex, funded
Send the project details and expected saving — we'll route to the right green finance structure.