Financing Solar PV. Equipment prices have decreased around 60% in the last 5 years.
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1 Financing Solar PV Why Solar? Excellent solar resource in Western Colorado Clean and renewable Environmentally responsible Great investment, high returns Equipment prices have decreased around 60% in the last 5 years.
2 Why Solar? Building Code Requirements Unincorporated Eagle County Excess energy use fees can be offset with cheaper PV Town of Carbondale 10% of HeaIng, Cooling and LighIng loads Pitkin County REMP or REOP (Snowmass Village) Offset excess energy use fees PV costs less than fees Reduced rebates plus tax credit = immediate return on investment
3 How do you pay for solar? #1: Reduce the cost through incenhves, rebates and tax credits Xcel Energy Solar*Rewards Program performance based 12 month reservaion, $.02 per kwh, limited capacity Holy Cross Rebates upfront rebate axer inspecions 4 month reservaion, can be paid to the installaion company CORE rebates Roaring Fork Valley Capped at $3k or 50% total rebates, now requires energy audit Energy Smart rebate Eagle Valley GWS electric and City of Aspen rebates System design roof is more economical than ground mounts Federal Investment Tax Credit (ITC) of 30% on the installed cost of the system extended unhl Then it steps down to 26%, 22%, 10%/0% Accelerated depreciaion on equipment for commercial clients
4 How do you pay for solar? #2: Leasing vs. Owning a PV system System ownership provides a higher return on solar investment You get the advantages of the tax credits, uility rebates, and increased home value/ease of sale. Third party ownership Solar leases mostly residenial PPA s - Power Purchase Agreements - mostly commercial Rebates for leases not available in Holy Cross territory Good opion if you don t have tax liability Non- profit, government, etc. Developer maintains the system Leases do NOT increase home value, and can make the home harder to sell
5 How do you pay for solar? #3: ResidenHal Solar Financing loans New ConstrucIon budget into construcion loan or mortgage Remodel Home equity line of credit = best rates Assign the uility rebates to be paid to your solar installaion company Lowers your out of pocket cost and/or financing amount The installer must fully get system installed and inspected to get final payments from the rebates ProducIon/net metering savings every month on your bill Use the savings to offset monthly loan payments The Best Deal: Energy Smart Partners (ESP) revolving loan fund 3.75% Garfield, Pitkin, Gunnison, Lake and Eagle CounIes; non profit lending partner program
6 How do you pay for solar? #3: ResidenHal Solar Financing ESP Loan EnergySmart Partners LLC a wholly owned subsidiary of Funding Partners for Housing Solu7ons, Inc. Megan Ferguson Retail Program Manager Colorado MLO# NMLS# *Regulated by the Colorado Division of Real Estate hlp:// smart- partners.com/ garfield_clean_energy_revolving_loan.html
7 How do you pay for solar? #4: ResidenHal Solar Financing other loan ophons Contractor financing 2.99% - 8% Easier process one organizaion to work with 8% 18% increase in system cost to cover financing charges dealer fee Life insurance loans Credit Union, Banks some offer beler rates for green loans Solar manufacturer offerings Invest in solar funding Mosaic Clean Energy Federal Credit Union Requires ASES membership of $25 to invest
8 Financing OpIons for Commercial Solar Outright Purchase OperaIng Lease Capital Lease C- PACE financing
9 Outright Purchase Upfront capital investment Pre- purchase of energy for 25 years or more fixed electricity budget UIlity incenive programs provide an addiional income stream Can use 30% federal investment tax credit IRS tax reducion in form of Modified Accelerated Cost Recovery System ( MACRS): accelerates depreciaion over 5 years OperaIons and Maintenance expense
10 Lease Terms depend on credit worthiness of business Usually between 7 and 10 years When kwh uility rates are low, monthly payments can exceed deferred uility expenses OperaIng Lease or Capital Lease?
11 OperaIng Lease No up front cost. Reserves capital for core business Business does not need tax appeite Off balance sheet accouning does not appear as an asset nor a liability Lease payments can be deducted as an operaing expense Lease payment fixed during term ( typically 7-10 years) Requires an end of term buy out - typically 20% of principal balance
12 Capital Lease Solar customer is treated as owner of the system Company leasing the equipment records it as an asset and can take advantage of the depreciaion schedule for solar equipment and the Federal Investment Tax Credit Company leasing the equipment gets uility rebates or SREC payments. Purchase equipment at the end of the term for $1
13 What is it? Commercial Property Assessed Clean Energy An innovaive financing model that allows building owners to fund renewable energy and energy efficiency projects over 20 years with no upfront capital outlay. Who is eligible? Commercial business Non profit organizaions Governmental eniies MulI family dwelling units Not Eligible? ResidenIal buildings
14 How it works Property owners can opt to receive financing up to 20 years for 100% of cost of improvements Repayment for the financing is through a special assessment placed on the property tax bill If the property is sold, the PACE assessment stays with the property and is assumed by the new owner
15 Begin ConstrucIon Process Submit preliminary project applicaion - Includes a renewable energy feasibility assessment for solar projects Obtain mortgage holder consent - Mortgage holder has to consent to CPACE lien taking a senior posiion over mortgage Secure a capital provider, submit an investor commitment leler - Can use pre qualified investors associated with CPACE program or use own bank Submit final applicaion Execute final agreements
16 Advantages The savings on uility bills could be greater than the cost of the assessment - potenial for posiive cash flow from day 1 The assessment is in a primary place over the mortgage low risk for investors so lower interest rates Roof replacement costs can be financed along with the solar array
17 Sunsense Solar EXPERIENCE Twenty- five (25) years as a leader in the development of solar electricity in Colorado and the Western United States. Featuring an extensive resume of projects in a variety of locaions for a broad range of applicaions. STAFFING & CREDENTIALS Fully staffed organizaion including Design/Engineering, Sales/ MarkeIng, AccounIng/AdministraIon and OperaIons/Service Staff includes (6) North American Board of CerIfied Energy PracIIoners (NABCEP) CerIfied Photovoltaic Installers.
18 Thank you for your Ime today! Steve Haines Lead Solar Consultant/ Off Grid Specialist (970) Katharine Rushton Commercial Sales Associate (970)
Commercial & Industrial
0 Commercial & Industrial 1 Cut the cord on rising energy costs Looking for a way to reduce your operating expenses and increase profits? Install a solar energy system and generate your own clean, renewable
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