Your Solar Investment, Fully FundedSolar Financing for Riverside & Inland Empire Homeowners
Flexible financing for every budget — from $0-down prepaid PPA and lease options to cash purchases with maximum savings. We'll find the right path for your home or business in the Inland Empire.
$0 Down Options Available
See Your Potential Savings
Estimated Yearly Savings
$2,400/yr
Recommended Path
Solar Loan
Own your system, keep the tax benefits
See Your Potential Savings
Estimated Yearly Savings
$2,400/yr
Recommended Path
Solar Loan
Own your system, keep the tax benefits
Solar shouldn't be complicated. Neither should paying for it.
Four Ways to Go Solar
Every situation is different. We'll help you choose the right path during your complimentary consultation.
PACE Financing
Property Assessed Clean Energy — repaid on your property tax bill through programs like CaliforniaFIRST and YGRENE. No credit check. Transfers with the home.
- No credit check — secured by the property, not you
- Payments roll into your annual property tax assessment
- System and balance transfer to the new owner if you sell
Best for: Homeowners and business owners who want zero out-of-pocket with no credit barriers
Solar Loan
Own your system from day one. Finance through our lending partners with competitive rates and terms up to 25 years.
- You own the system — you keep every dollar of savings
- Fixed monthly payment, often less than your current electric bill
- Federal tax credit benefits flow to you as the system owner
Best for: Homeowners with tax liability who want maximum long-term savings
PPA / Lease / Prepaid PPA
Power Purchase Agreement or lease — a third-party owner installs and maintains the system. You pay for the power it produces. In 2026, the prepaid PPA through Maxwell Power is the primary way Riverside homeowners access federal tax credit value after the residential 25D credit ended.
- Zero down, zero maintenance responsibility
- Prepaid PPA option: pay upfront for 20 years of power at a 17–30% discount — ownership transfers to you after 6 years at no cost
- Third-party owner claims the §48E clean electricity investment tax credit and passes savings to you through lower monthly or prepaid payments
Best for: Homeowners who want to go solar with no upfront cost or tax liability — or who want to prepay and capture ITC value without tax liability
Cash Purchase
Pay upfront and own it outright. Maximum return on investment with no interest, no payments, no third-party involvement.
- Highest total savings — no interest, no fees
- Immediate positive cash flow from day one
- Full eligibility for all federal and state incentives
Best for: Homeowners and business owners who want the strongest ROI
Solar Shouldn't Be This Hard
The Old Way
- 20-page proposals you can't understand
- Pushy salespeople at your door
- Confusing incentive jargon
- Hidden fees buried in the contract
The SolarCCS Way
- Clear options, plain English, no pressure
- Licensed general contractors since 1993
- We handle permits, installation, and PTO
- Transparent pricing, no surprises
Financing Partner
Powered by Acorn Finance
We've partnered with Acorn Finance to give you access to competitive solar loans from multiple lenders — one application, instant pre-qualification, no impact to your credit score.
How Financing Works
Choose Your Path
Review your financing options during a complimentary consultation. We match you with the right plan for your budget and goals.
Get Approved
Quick pre-qualification with no hard credit pull for most options. Sign your agreement and lock in your rate. We use SolarAPP+ for automated permitting where available, cutting approval time from weeks to days.
Start Saving
We handle permits, installation, and activation. Your system goes live and your savings begin immediately.
Federal Tax Credit Paths
The federal solar incentive landscape changed in 2026. Here's what it means for you.
For Homeowners
Residential Clean Energy Credit (25D)
Was 30% federal tax credit on solar + battery for homeowners.
The residential 25D credit was eliminated by the One Big Beautiful Bill Act (P.L. 119-21, July 4, 2025). It is not available for any property placed in service after December 31, 2025. Existing credits for systems installed before that date are unaffected. Source: IRS.gov.
Third-Party Ownership (TPO) Route
Access federal incentives through a lease or PPA where a third-party owner claims the §48E credit.
- Financier claims the §48E credit and passes savings to you via lower payments
- No tax liability required on your end
- Solar facilities must begin construction before July 5, 2026 or be placed in service before January 1, 2028
California Battery Rebates (SGIP)
State-level rebates for battery storage remain available.
- Equity Resiliency tier: up to $1,000/kWh; Equity tier: up to $850/kWh (SCE territory has funding available)
- New Residential Solar and Storage Equity (RSSE) program: up to $1,100/kWh storage plus $3,100/kW solar for qualifying low-income households
For Businesses & Nonprofits
§48E Clean Electricity ITC
30% base — up to 50% with bonuses
30% base investment tax credit on commercial solar + storage systems.
- Base 30% with prevailing wage and apprenticeship compliance
- Solar must begin construction before July 5, 2026 or be placed in service before January 1, 2028
- Available for transferability and elective direct pay
Bonus Depreciation
100% first-year expensing
100% first-year expensing for business-owned solar systems.
- OBBBA made 100% first-year bonus depreciation permanent for qualifying property acquired and placed in service after January 19, 2025
- 5-year MACRS was removed for solar property beginning construction after Dec 31, 2024. Consult your CPA.
Elective Direct Pay
Full ITC value as IRS cash payment
Nonprofits and government entities can receive the credit as a cash payment.
- Available to nonprofits, schools, churches, tribes, and government entities
- IRS refunds the full credit value — no tax liability needed
Credit Transferability
~$0.90–$0.95 per $1 of credit
Sell your tax credit for cash if you don't have sufficient tax liability.
- Transfer your §48E credit to a corporation that can use it
- No tax liability required — receive approximately 90-95% of credit value
Ownership vs. Lease/PPA
| Ownership (Loan/Cash) | Lease / PPA | |
|---|---|---|
| Who owns the system | You own it | Financier owns it |
| Federal tax credit | You claim it (business only — 25D eliminated for residential) | Financier claims it, passes savings to you |
| Monthly payment | Fixed loan payment or none (cash) | Pay for power produced, often less than utility |
| Maintenance | SolarCCS warranty + your responsibility | Financier handles maintenance |
| Upfront cost | Down payment or full purchase | $0 down |
How Incentive Stacking Works
Example only. Actual savings depend on system size, location, wage compliance, and equipment sourcing. Riverside County and San Bernardino County are confirmed Energy Communities. This is not tax, legal, or financial advice.
§48E applies to commercial and business-owned systems. Residential access is through TPO financing where a third-party owner claims the credit. 25D was eliminated by the One Big Beautiful Bill Act (P.L. 119-21) for property placed in service after December 31, 2025. MACRS 5-year was removed for construction beginning after December 31, 2024. Always consult a licensed CPA or financial advisor. Sources: IRS.gov, Treasury.gov, Congress.gov.
California Incentive Programs
State and local programs that stack with federal incentives. Many clients qualify for multiple programs.
SGIP — Equity Resiliency
Up to $1,000/kWh (waitlist only)
Low-income, medical baseline, or fire-risk tier customers. General-market budget exhausted Dec 31, 2025; all residential SGIP tiers are waitlist-only as of August 2026.
NEM 3.0 — Net Metering
Export credits at avoided-cost rates
All residential solar customers in IOU territories (SCE, Riverside Public Utilities). Pair with battery for maximum export value under avoided-cost rates.
DAC-SASH
No-cost solar for income-qualified households
Disadvantaged community households at or below 80% AMI
CARE / FERA Discount
20-35% off electric bill
Income-qualified households enrolled through their utility
Solar Property Tax Exclusion
Active solar systems excluded from property tax reassessment
All California property owners with active solar installations through 2025-2026
SGIP — Small Storage
Up to $150/kWh (closed — waitlist only)
Residential customers installing battery storage under 10 kWh. General-market budget closed Dec 31, 2025; verify current status before contract.
Not sure which programs you qualify for?
Local Financing Expertise
SolarCCS is based in Riverside with over 30 years of construction experience in the Inland Empire. We know the utility territories, rebate programs, and permitting requirements across Riverside County and San Bernardino County.
Keep reading
Where to go from here
Financing is one piece of the decision. These pages cover the rest of it.
Residential solar and battery systems — the three Power Stacks we install — Essential, Pinnacle, and Guardian — and what each one is built to do when the grid goes down.
American-made solar equipment — the exact panels, inverters, and batteries we install, and why domestic content matters.
how home solar actually works — a plain-language walkthrough from sunlight to your electrical panel to the grid.
whether solar is still worth it under NEM 3.0 — what California's export rates changed, and why a battery now carries most of the payback.
what solar costs in Riverside in 2026 — real per-watt pricing, typical system sizes, and which incentives still apply.
commercial solar and the Section 48E tax credit — if the property is a business, the financing path and the tax credit work differently.
Frequently Asked Questions
This is not tax, legal, or financial advice. Consult a qualified professional.
Get Your Complimentary Savings Estimate
See exactly how much you qualify for — federal incentives, state rebates, and local programs — tailored to your property and usage.
50% ITC requires prevailing wage compliance, domestic content certification, and energy community qualification. 25D residential credit eliminated by P.L. 119-21 (OBBBA) for property placed in service after Dec 31, 2025. §48E solar facilities must begin construction before July 5, 2026 or be placed in service before Jan 1, 2028. MACRS 5-year removed for construction after Dec 31, 2024. Not tax, legal, or financial advice. Sources: IRS.gov, Treasury.gov, Congress.gov.
Last updated: August 30, 2026. Verified against IRS.gov, CPUC.ca.gov, and Maxwell Power primary sources.
Ready to take control of your energy costs?
Get a complimentary solar assessment from a GC-licensed team with 30+ years of construction expertise. No pressure, just honest numbers.