SOLAR INSTALLERS • LINE OF CREDITSolar installer financing — keep every install funded from panel to payout
Loot offers solar installers an unsecured business line of credit from $5,000 to $100,000. Use it to cover panels, inverters, racking and crew payroll upfront, or give your business the room to take on a larger commercial install without waiting on a utility rebate or financing partner to pay out. Established solar installers with 1+ year in business and $200K+ in annual revenue can check their options with a soft pull. Requests up to $30K get an instant decision, while larger requests may take a few more minutes.
No collateral
No hidden fees 
Same-day funding for $49
Solar installer challenges: equipment costs, payout delays and permitting
Panels, inverters and racking usually have to be purchased and installed before a utility rebate, tax-credit financing partner, or financing-company disbursement pays out, and that gap can run weeks or longer. Crews still need to be paid and certified while permitting offices sit on an approval, and a single delayed inspection can push an entire payout further down the calendar.
Purchase panels, inverters and racking before rebates or financing partners pay out- Cover crew payroll and certification costs while a job is mid-install
- Absorb permitting and inspection delays that push payouts back further
Where a solar installer line of credit does the heavy lifting
Six moments when solar cash flow needs backup — and how a Loot line of credit can help.
Purchase panels and inverters before the rebate pays out
A residential or commercial install requires panels, inverters, racking and balance-of-system parts bought before the job goes live. Utility rebates, tax-credit financing partners and financing-company disbursements often pay out weeks after installation. A line of credit can help secure equipment for the next job without waiting on that payout to land.
Take on a larger commercial or multi-site install
A commercial rooftop array or multi-site residential contract can be great business, but it often means a bigger equipment order and more crew hours before the first draw of financing arrives. A line of credit can give solar installers the working capital to accept and mobilize the job without putting current installs under pressure.
Cover crew payroll during a mid-install stretch
Installers and electricians still need to be paid while a job sits between the equipment order, the install, and the utility interconnection sign-off. A quick draw can help cover labor without pulling cash away from panels or other scheduled installs.
Absorb permitting and inspection delays
A permitting office running behind, or a failed inspection that needs a revisit, can push a payout back by weeks. A revolving line can help cover payroll and overhead while the paperwork catches up, so a delay in one city hall doesn't stall the whole schedule.
Handle crew certification and licensing renewals
NABCEP certifications, electrician licensing and state solar contractor renewals can land all at once and before a job is billable. A line of credit can help cover these costs so a crew's paperwork doesn't hold up a signed contract.
Cover tool, van and equipment repairs
A racking crimper, install van, or lift going down can stall more than one job at once. A line of credit can help cover repairs or rental equipment before the issue delays an install date.
How a solar installer line of credit helps
A business line of credit for solar installers provides flexible capital for equipment, payroll and permitting costs. Draw loot when needed, repay as rebates and financing payouts land, and keep every install funded from panel to payout.
Loot for equipment
Draw capital instantly to stock panels, inverters and racking.
No hidden shocks
Only pay for what you use — no extra fees hiding behind the panel.
Fits any crew size
From a single install crew to multi-site commercial operations, the line flexes with your needs.
Trusted by solar installers
Built by operators who understand rebate timing, permitting delays and crew payroll. Transparent pricing, no hidden shocks.
Speed that beats a payout delay
From application to funding, Loot provides solar installers with capital faster than a rebate check can clear.
Flexible like a rooftop layout
Use a little or a lot. Repay as payouts clear. Scale limits as the business grows.
How a Loot line of credit works for a solar installer
Say your business needs $18,000 for panels and an inverter order on a residential install, plus crew payroll while the utility interconnection and rebate paperwork are still processing. With Loot, you can draw $18,000 from your approved line.
Before you confirm, you choose a fixed weekly repayment plan upfront, such as 16, 20, or 24 weeks. You see the total cost before you move forward.
If the rebate or financing partner payout lands sooner than expected and you pay the draw off early, there is no prepayment penalty. Paying off early can save up to 50% of remaining fees.
As you repay, your line revolves — the funds become available again as you pay down the draw. Same-day approval is standard, decisions happen in minutes, and once approved, same-day funding is available for a $49 transfer fee.
Requirements for solar installer financing
To qualify with Loot, your solar installation business needs:
1+ years
$200k+
None
Checking eligibility is a soft pull, so it does not impact your credit score, approved or not. Loot looks at real business cash flow, not just a credit score.
Solar installer line of credit vs. term loan vs. business credit card
| Features | Business Line of Credit | Term Loan* | Business Credit Card |
|---|---|---|---|
| How you access funds | Draw from an approved credit line when your solar business needs funds | Receive one lump sum upfront | Use the card for purchases up to the credit limit |
| What you pay for | Only the amount you draw | The full loan amount* | Purchases made on the card |
| Repayment | Each draw has a fixed daily, weekly, bi-weekly, or monthly repayment plan chosen upfront | Usually fixed payments over a set term* | Minimum monthly payments, with added fees if a balance carries |
| Revolves? | Yes, the line revolves as you repay | No, it is a one-time loan* | Yes, available credit renews as you pay |
| Best for | Equipment orders, payroll timing, payout delays, permitting costs, crew certification | Larger one-time projects or major equipment purchases | Smaller purchases, subscriptions, or everyday expenses |
A term loan* can fit one large purchase. A business credit card can fit smaller daily expenses. A business line of credit can fit repeat solar-installer needs, like equipment orders, payroll timing, rebate and payout delays, and permitting costs.
What solar installers can use a line of credit for
- Panels, inverters, and racking
- Balance-of-system parts and mounting hardware
- Crew payroll and electrician subcontractor costs
- Certification, licensing, and permitting fees
- Vehicle and equipment repairs
- Gaps between install completion and rebate or financing payout
- Supplier invoices and equipment deposits
- Hiring, expansion, or a new install crew
Draw funds when the business needs them. Repay on the weekly plan you choose upfront. Keep your treasure chest available as you repay.
Financing for residential solar installers
Financing for residential solar installers can help owners manage panel and inverter costs, crew payroll, and permitting timelines. A rooftop install can require equipment purchased before a rebate or financing partner pays out. A line of credit can help cover equipment or payroll costs while that payout is still processing.
Financing for commercial solar installers
Financing for commercial solar installers can help cover larger equipment orders and longer payout cycles on rooftop or ground-mount commercial arrays. A line of credit can help keep crews working while financing disbursements are still pending.
Financing for solar and battery storage installers
Financing for solar and battery storage installers can help cover higher-cost battery equipment and longer installation timelines. A line of credit can help fund equipment before the final incentive or rebate payment lands.
Financing for solar installers awaiting rebate or incentive payouts
Financing for solar installers awaiting rebate or incentive payouts can help bridge the gap between finishing an install and a utility or state incentive check clearing. A line of credit can help cover payroll and the next equipment order in the meantime.
Financing for solar installation equipment and vehicles
Financing for solar installation equipment and vehicles can help when a crimper, racking tool, lift, or install van needs repair or replacement. With Loot, you can draw for the expense, see the total repayment before confirming, and pay it down early if payouts clear sooner.
Financing for new and growing solar installation companies
Financing for new and growing solar installation companies can help cover the cost of hiring additional certified installers, bidding on larger commercial contracts, and stocking equipment ahead of demand. A line of credit can help a solar business scale without waiting on payouts to catch up.
Don't take our word for it. Take theirs.
Loot funds small businesses across the US, and in our category we score in the top 5% of lenders for credibility, customer service, and user experience.
I will only use Loot
“I will only use Loot in the future for any financial needs my business might have and saying goodbye to everyone else!”
Solar installer financing FAQs
Yes. Solar installers can apply for a Loot business line of credit if they have 1+ year in business and $200K+ in annual revenue. Loot offers $5,000 to $100,000 with no collateral required.
Loot has no minimum FICO score requirement. Underwriting looks at real business cash flow, not just a credit score. Your solar installation business still needs 1+ year in business and $200K+ in annual revenue to qualify.
Solar installers can get a decision in minutes, and same-day approval is standard. Requests up to $30K get an instant decision, while larger requests may take a few more minutes.
Yes. Once approved, same-day funding is available for a $49 transfer fee. Transfer timing may depend on bank processing times and applicable cut-offs.
No. Checking eligibility with Loot is a soft pull. It does not impact your credit score, approved or not. You can review your options before deciding whether to draw from the line.
Yes. Solar installers can use a Loot line of credit for panels, inverters, racking, and balance-of-system parts. You see the total cost before confirming and only pay when you draw.
Yes. Solar installers can use a Loot line of credit to cover payroll and the next equipment order while a utility rebate, tax-credit financing partner, or financing-company disbursement is still processing. You choose a fixed weekly repayment plan upfront before confirming the draw.
Yes. A line of credit can help cover payroll and overhead while a permitting office or inspection is running behind, and it revolves as you repay.
Apply for solar installer financing today
Whether you need to keep current installs funded or want more room to take on a larger commercial project, a business line of credit can give your solar business working capital without waiting on a rebate or financing partner to pay out.
Get $5,000 to $100,000. Apply in under five minutes with a soft pull that won't affect your credit score. If approved, draw what you need, see the total cost before confirming, and keep your treasure chest available as you repay.
No collateralNo hidden fees Same-day funding for $49