Solar That Saves You Money From Day One — And Builds Toward Ownership
Propel Financing by Concert Finance gives you no money out of pocket, no escalating payments, and no dealer-fee inflation — just a fixed monthly payment and a clear path to owning your system.
Most Solar Deals Force You to Choose Between Affordability and Ownership
The traditional solar market has left homeowners stuck with a false choice. Propel Financing by Concert Finance was purpose-built to eliminate both traps at the same time.
❌ The Dealer-Fee Loan Trap
You technically own the panels, but the financed price is inflated by hidden dealer fees — meaning you're paying for thousands of dollars in markup before the panels even turn on.
❌ The Escalator PPA Trap
PPAs can look attractive on day one, but many include annual payment escalators of 1–3% per year. By year 10 or 15, your "low" payment has quietly crept up — and you still don't own anything.
Propel Financing by Concert Finance eliminates both traps — simultaneously.
A Smarter Structure, Built for the Homeowner
Propel Financing by Concert Finance front-loads the value into your deal — before a single dollar of interest accrues. Here's exactly how it works.
Propel Discount Applied at Signing
Concert Finance applies a substantial Propel discount — 30% to 40% of system cost — directly to your project price before financing. Your loan is on the reduced number, not the inflated sticker price.
Finance the Reduced Amount
Because Propel has already lowered your balance, your monthly payment is genuinely competitive — not a teaser rate that balloons later. This is real savings, structurally built in from day one.
Fixed Payment — 25 Years
Your Propel payment never escalates. As utility rates continue to climb at ~6%/year, the gap between what your neighbors pay and what you pay grows wider every single month.
Ownership Transfers at Year 5
Propel Financing is structured so that ownership transfers to you after year 5. You're not renting power — you're building toward a tangible asset that adds $28K–$66K+ to your home's value.
Zero Markup Baked In
Traditional solar loans often inflate the system price with dealer fees before the loan is issued. Propel Financing eliminates this entirely — the discount comes first, so you're financing a fair price.
0% Annual Payment Increase
Unlike PPAs or leases that escalate 1–3% per year, your Propel payment is locked for the full 25-year term. The longer you stay, the more you save relative to the grid.
Pay It Off Any Time
Propel Financing through Concert Finance carries no prepayment penalty. If you want to accelerate ownership — whether in year 3 or year 12 — you can do so without any fees.
30–40% Federal Credit Eligible
Homeowners may be eligible to recoup the 30% Federal Clean Energy Tax Credit — plus an additional 10% if your property is in a designated Energy Community. Your Coyote Solar advisor can walk you through your eligibility.
Propel Financing vs. Traditional Options
A low year-one payment is not the same as the best long-term value. Here's how Propel Financing by Concert Finance compares across every dimension homeowners should care about.
| Feature | Traditional Loan | PPA / Lease | ⚡ Propel Financing |
|---|---|---|---|
| Money out of pocket | Often required | $0 to start | $0 to start |
| Dealer fees in price | Yes — often significant | N/A | None — Propel discount applied first |
| Payment escalation | Fixed | 1–3%/year common | Fixed — never increases |
| Upfront discount | No | No | ~30–40% Propel discount at signing |
| Ownership | Immediate (inflated cost) | May never own | Transfers at year 5 |
| Prepayment penalty | Often yes | N/A | None — pay off any time |
| Federal tax credit | 30% (homeowner claims) | Not available to homeowner | 30–40% eligible (inc. Energy Community) |
| Home value impact | Positive | Complex — lease transfer | Positive — builds equity |
← Scroll to see full comparison on mobile
Visualizing the Compounding Opportunity Cost
Utility rates have risen ~6% annually for decades. The chart below shows what staying on the grid actually costs — vs. locking in a fixed Propel payment today.
Cumulative net savings: Propel Financing vs. doing nothing
The blue line is money back in your pocket each year with Propel. The red dashed line is the growing cost of doing nothing — money gone with nothing to show for it. Break-even hits around year 10, then savings compound rapidly.
A Transparent Propel Proposal Built for Your Exact Home
No generic quotes. No ballpark estimates. Every Propel Financing proposal we generate is custom-built using satellite imagery of your roof, your local utility rate, and your real usage history — so the numbers you see are the numbers that actually apply to you.
Your Bill Today vs. Your Propel Payment
We show you your current utility bill side-by-side with your proposed fixed Propel payment — along with what your residual utility bill will look like once solar covers most of your usage.
- Exact current utility rate for your zip code
- Projected 25-year savings based on real rate escalation data
- Residual utility bill shown — no hidden surprises
- Propel annual increase locked at 0% — always
Month-by-Month Production vs. Your Usage
Your Propel proposal shows a custom satellite-based system design alongside a monthly production chart that compares what your panels will generate against what your home actually consumes.
- Aerial roof design — panels placed for maximum output
- Monthly kWh production vs. consumption, every month
- Energy offset percentage — typically 98–103%
- Premium Qcells panels + Enphase microinverters specified
Every number in your Propel proposal is specific to your home, your roof, and your utility rate — not a neighborhood average.
Not Estimates. Actual Custom Savings Reports.
Each Propel proposal is built from satellite imagery, local utility data, and real consumption history. These numbers are from Propel Financing proposals we've delivered to California homeowners — not marketing projections.
What California Homeowners Are Saving with Propel
These aren't projections made up for a brochure. They're built from real utility rates, real roof data, and real consumption history for homes across California using Propel Financing by Concert Finance.
A Hassle-Free Installation Process
Once you're approved for Propel Financing, we manage every stage and keep you updated through a dedicated app — no surprises, no chasing contractors.
Independently Verified. Community Committed.
We aren't just another solar broker. Coyote Solar Advisors is one of a select number of installers authorized to offer Propel Financing by Concert Finance — and we back every proposal with real numbers, not estimates.
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What Homeowners Ask About Propel Financing
Your Utility Bill Goes Up Every Year.
Your Propel Payment Won't.
Get a custom Propel Financing savings report built from satellite imagery, your local utility rate, and your actual energy usage. Free, no obligation, and specific to your home.