Cash flow is king. That’s why there are clever ways to get solar on your roof without dipping into capital.
Watch the gap: your total new outgoing costs (the reduced power bill + your new solar finance payment) stay consistently lower than what you would have paid the grid. That gap is pure, immediate cash flow back into your business.
POPULAR
Major NZ banks offer specific “Green Loans” designed strictly for funding clean energy assets. These come with incredibly low interest rates compared to standard commercial lending, specifically to motivate sustainable upgrades.
Why it’s great: the drop in your monthly power bill is usually significantly higher than the low-interest loan repayment. You literally end up with more cash in the bank each month.
LARGE BUSINESS
Unlike standard asset finance, Sustainability-Linked Loans tie your overall corporate borrowing rates to specific Environmental, Social, and Governance (ESG) targets. Installing a commercial solar array is one of the fastest ways to hit these KPIs.
Why it’s great: going solar can actually trigger a discount on your broader corporate debt facilities, providing financial benefits far beyond the power bill.
MAXIMUM ROI
If your business has capital on hand, fund the system upfront as a Capital Expenditure. It becomes an owned asset on your balance sheet allowing you to claim depreciation benefits immediately.
Why it’s great: Absolute maximum financial return. With no financing costs or interest, 100% of the energy savings go straight
into your pocket from day one.
$0 UPFRONT
Partner with commercial finance experts who fund the system. You pay a fixed monthly operating “rent” over a set period (e.g., 5 or 10 years). The rental cost is lower than your energy savings.
Why it’s great: No deposit. Payments can often be claimed as a tax-deductible OPEX. At the end of the term, ownership of the system transfers completely to you.
ZERO HASSLE
An investor pays for the panels, installation, and all ongoing maintenance. You simply agree to buy the power the roof produces at a locked-in rate that is significantly lower than grid pricing.
Why it’s great: Absolute zero risk. No loans on your balance sheet, and no repair costs. Just an immediately lower power bill. At the end of the agreement, full ownership of the system transfers to you.
POPULAR
Major NZ banks offer specific “Green Loans” designed strictly for funding clean energy assets. These come with incredibly low interest rates compared to standard commercial lending, specifically to motivate sustainable upgrades.
Why it’s great: the drop in your monthly power bill is usually significantly higher than the low-interest loan repayment. You literally end up with more cash in the bank each month.
LARGE BUSINESS
Unlike standard asset finance, Sustainability-Linked Loans tie your overall corporate borrowing rates to specific Environmental, Social, and Governance (ESG) targets. Installing a commercial solar array is one of the fastest ways to hit these KPIs.
Why it’s great: going solar can actually trigger a discount on your broader corporate debt facilities, providing financial benefits far beyond the power bill.
MAXIMUM ROI
Purchase the system outright as a capital expense. You own the asset from day one and capture the full lifetime value of every kilowatt it generates.
Why it’s great: the fastest payback and the greatest long-term return – you own a high-quality, income-generating asset outright.
$0 UPFRONT
Partner with commercial finance experts who fund the system. You pay a fixed monthly operating “rent” over a set period (e.g. 5 or 10 years). The rental cost is lower than your energy savings.
Why it’s great: no deposit. Payments can often be claimed as a tax-deductible OPEX. At the end of the term, ownership of the system transfers completely to you.
ZERO HASSLE
An investor pays for the panels, installation, and all ongoing maintenance. You simply agree to buy the power the roof produces at a locked-in rate that is significantly lower than grid pricing.
Why it’s great: absolute zero risk. No loans on your balance sheet, and no repair costs. Just an immediately lower power bill. At the end of the agreement, full ownership of the system transfers to you.
ZERO HASSLE
Westpac NZ has launched a new Sustainable Equipment Finance Loan, supporting Kiwi businesses to reduce their climate impacts.
This loan can be used for a range of equipment, including solar.
Why it’s great: provides a competitive five-year rate for Westpac business customers to reduce their climate impacts.
Using this for solar allows businesses to reduce operating cost while working towards more sustainable operations.
Terms and conditions, fees and eligibility and lending criteria apply.
See Westpac website for details →
Talk to our commercial team about which finance path suits your operation – we’ll run the numbers and explain your options.
From $0 upfront to low-interest Bank Green & Sustainability
loans, CAPEX, and lease-to-own. Choose the structure that
perfectly fits your balance sheet
