Sacramento Valley · City

Commercial Energy Cost Savings in Sacramento

Sacramento is a market of roughly 525K people and a commercial hub built around government & municipal. SolarPorts turns the parking lots that already serve those businesses into onsite power source — without losing a single parking space.

  • 525,000 City population
  • SMUD Serving utility
  • 30%+ Federal ITC eligible
  • SGIP Storage rebate available
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How to fund your project

Financing options for Sacramento commercial solar

Stack federal ITC, state SGIP, and one of these commercial-grade lenders to bring your out-of-pocket cost close to zero. Showing 56 options available in Sacramento.

  • Community Bank

    Beneficial State Bank

    Local pick for Sacramento Solar-specific program

    CDFI / B-Corp community bank — explicit Green Lending Program for commercial real estate.

    Construction + term loans for commercial solar PV (rooftop and ground-mount) under the Green Lending Program. Requires green-building certification.

    Loan size
    Negotiated per deal
    Term
    Up to 35 years (multifamily) / 30 years (other CRE)
    Rate
    Negotiated per deal
    • CDFI + B-Corp mission alignment
    • LTV up to 80% / LTC up to 85%
    • Solar PV explicitly named

  • Community Bank

    First Northern Bank of Dixon

    Local pick for Sacramento Solar-specific program

    Sacramento Valley community bank — "leading community bank in clean energy lending".

    Equipment loans / leasing, term loans, lines of credit, SBA, CRE, construction financing for solar projects. Has financed millions in solar.

    Loan size
    Negotiated per deal
    Term
    Equipment loans, leasing, term, LoC, SBA, construction
    Rate
    Negotiated per deal
    • Sacramento Valley footprint (7 counties)
    • Multiple loan structures
    • Strong regional clean-energy track record

  • Community Bank

    River City Bank

    Local pick for Sacramento Solar-specific program California-wide

    Sacramento-HQ commercial bank with a dedicated Clean Energy Division (since ~2014).

    Debt financing for commercial and utility-scale renewables; lines of credit; construction + term loans.

    Loan size
    $5M – $50M
    Term
    Construction + term
    Rate
    Negotiated per deal
    • Dedicated Clean Energy Division
    • Mid-ticket project finance
    • Sacramento + Bay Area roots

  • Credit Union

    Travis Credit Union

    Local pick for Sacramento Solar-specific program

    GoGreen Business participating lender — Northern California 12-county footprint.

    Commercial solar / energy-efficiency / storage loans for property owners and CRE investors with at least 3 years in business.

    Loan size
    $100K – $350K
    Term
    7–10 years
    Rate
    10-year Treasury + 3%
    • GoGreen Business participating lender
    • 12-county NorCal membership zone
    • 3-year minimum business history

  • SBA 504 CDC

    AmPac Business Capital

    Solar-specific program California-wide

    First faith-based SBA 504 lender — 504 Energy program.

    AmPac's 504 Energy program has supported projects that included installation of solar panels — no aggregate cap on total project.

    Loan size
    Negotiated per deal
    Term
    Standard 504
    Rate
    Below-market — SBA monthly debenture
    • Faith-based mission
    • No aggregate cap
    • CA + AZ + NV

  • National Bank

    Amalgamated Bank

    California-wide

    Mission-driven bank — C-PACE buyer, tax-equity participant, project debt.

    Commitments to C-PACE financing for solar and energy projects; participation in tax-equity structures.

    Loan size
    Project-finance ticket sizes ($15M+)
    Term
    Project debt + tax equity
    Rate
    Negotiated per deal
    • Mission-driven balance sheet
    • C-PACE buyer + tax-equity partner
    • Mid-large C&I focus

  • Equipment Finance

    Ascentium Capital

    Solar-specific program California-wide

    GoGreen Business participating equipment-finance company.

    $10K – $2M equipment-finance agreements for CA Small Business Energy Efficiency Financing.

    Loan size
    $10K – $2M
    Term
    12–60 months
    Rate
    Varies — equipment-finance agreement
    • 12-month minimum business history
    • Property owners + tenants eligible
    • GoGreen-enrolled

  • SBA 504 CDC

    Bay Area Development Company

    Solar-specific program California-wide

    Top-20 SBA 504 CDC — $3B+ funded across 1,700+ companies.

    Capital equipment (production + solar power systems) qualifies for SBA 504 financing.

    Loan size
    Up to $16.5M
    Term
    Standard 504
    Rate
    Below-market — SBA monthly debenture
    • Top-20 CDC nationally
    • Bay Area / NorCal focus
    • Up to $16.5M aggregate green stack

  • C-PACE

    Bayview PACE

    California-wide

    Non-recourse C-PACE — interest-only up to 10 yrs, cap-i up to 3 yrs.

    Renewable energy eligible per CSCDA program rules.

    Loan size
    $2M – $100M
    Term
    5–30 years (interest-only up to 10, cap-i up to 3)
    Rate
    Negotiated per deal
    • Non-recourse
    • Up to 85% LTV stabilized
    • Flexible draw schedule

  • C-PACE

    CMFA Open PACE

    California-wide

    Statewide JPA C-PACE program — alternative roster to CSCDA.

    Renewable energy and commercial solar are eligible measures under the CMFA C-PACE handbook.

    Loan size
    Varies by administrator
    Term
    Up to 30 years typical
    Rate
    Varies by administrator
    • Alternative JPA to CSCDA
    • Multiple administrators on roster
    • Statewide opt-in

  • California State Program

    CalCAP Collateral Support

    California-wide

    State credit-enhancement / cash-pledge program — usable for solar at participating banks.

    Loan amounts $25K – $20M for any approved purpose, including commercial solar, at participating CA financial institutions.

    Loan size
    $25K – $20M
    Term
    Varies — at the underlying lender
    Rate
    Varies — at the underlying lender
    • Open to any CA bank, savings association, federally-certified CDFI, or credit union
    • Closes collateral gap
    • SSBCI 2.0-funded

  • California Bank

    California Bank & Trust — Power & Project Finance

    Solar-specific program California-wide

    CA-focused commercial bank with a dedicated Power & Project Finance Group.

    Senior secured construction and/or term loans, back-leverage facilities, revolving credit lines, letters of credit for renewable & conventional power.

    Loan size
    Negotiated per deal
    Term
    Construction + term + revolver
    Rate
    Negotiated per deal
    • Senior secured construction + term
    • Back-leverage facilities
    • Power generation sponsor focus

  • SBA 504 CDC

    California Statewide CDC

    California-wide

    Statewide California SBA 504 CDC — 35+ years of operation.

    Below-market 504 financing supports green / energy upgrades alongside owner-occupied real estate.

    Loan size
    Negotiated per deal
    Term
    Standard 504 + Statewide Fast 504
    Rate
    Below-market — SBA monthly debenture
    • Statewide CA
    • 35+ years operating
    • Statewide Fast 504 expedited program

  • SBA 504 CDC

    Capital Access Group

    Solar-specific program California-wide

    San Francisco-HQ SBA 504 CDC — funded $10.2M for Auxin Solar San Jose.

    Green equipment such as solar panels and energy-efficient improvements qualify for 504 financing.

    Loan size
    Up to $5.5M
    Term
    Standard SBA 504 (90% finance, 10% down, 25-yr)
    Rate
    Below-market — SBA monthly debenture
    • SF-headquartered (since 1981)
    • Statewide CA
    • Auxin Solar case study

  • C-PACE

    CastleGreen Finance

    Solar-specific program California-wide

    C-PACE direct lender with explicit Solar PV + California Solar Initiative language.

    Solar PV systems must be eligible for and participate in California Solar Initiative or an equivalent utility rebate program.

    Loan size
    Negotiated per deal
    Term
    5–39 years (capped by useful life)
    Rate
    Negotiated per deal
    • Term capped by equipment useful life
    • Transferable on sale
    • Solar PV explicitly named

  • Equipment Finance

    Caterpillar Financial Services

    California-wide

    OEM captive finance — finances commercial solar panel systems via Cat dealer network.

    Loans + leases for commercial solar panel systems through the Cat dealer network.

    Loan size
    Negotiated per deal
    Term
    Loans + leases
    Rate
    Negotiated per deal
    • OEM captive finance
    • Cat dealer network
    • Established commercial-solar product

  • California Bank

    City National Bank — Renewable Energy

    Solar-specific program California-wide

    LA-HQ private bank — senior debt, construction, sale-leaseback for renewables.

    Construction + permanent financing, sale-leaseback arrangements, asset aggregation facilities, letters of credit for utility-scale solar, distributed generation, community solar, BESS, wind.

    Loan size
    Negotiated per deal — large-ticket
    Term
    Construction + permanent + sale-leaseback
    Rate
    Negotiated per deal
    • Lead arranger experience
    • Sale-leaseback structures
    • Mid-market to utility-scale

  • Specialty Solar Lender

    CleanCapital

    Solar-specific program California-wide

    C&I solar / storage asset owner — buys operating projects and finances developers.

    Developer takeout for C&I solar, community-solar, and storage projects.

    Loan size
    Negotiated per deal
    Term
    Project takeout
    Rate
    Negotiated per deal
    • Developer takeout focus
    • C&I + community solar + storage
    • $1B+ deployed

  • C-PACE

    CleanFund Commercial PACE Capital

    Solar-specific program California-wide

    First private commercial PACE company in the U.S.

    Renewable energy and solar PV explicitly eligible (CleanFund is a solar-rooted lender).

    Loan size
    Negotiated per deal — historically $0.5M – $50M+
    Term
    Up to 30 years
    Rate
    Negotiated per deal
    • 100% upfront fixed-rate financing
    • Solar PV explicitly funded
    • Transferable on sale

  • C-PACE

    Clearwater PACE

    California-wide

    Institutionally-capitalized C-PACE lender — fixed 20–30 yr terms.

    Eligible upgrades include HVAC, LED lighting + facility controls, boilers, windows, and solar.

    Loan size
    $500K – $500M
    Term
    20–30 years fixed
    Rate
    ~50% less than mezz / preferred equity
    • Fixed-rate, long-term financing
    • Stand-alone or stacked with senior debt
    • Senior property tax assessment

  • National Bank

    Climate First Bank

    Solar-specific program California-wide

    Climate-focused national bank with straightforward commercial-solar loans.

    Straightforward solar loans for non-profit and commercial clients — competitive rates, no dealer fees, no prepayment penalty.

    Loan size
    Negotiated per deal
    Term
    Term loans
    Rate
    Competitive — no dealer fees, no prepayment penalty
    • Climate-mission bank
    • No dealer fees
    • No prepayment penalty
    • Nonprofits welcome

  • C-PACE

    Community Bank of the Bay — C-PACE

    California-wide

    Only California-chartered community bank on the CSCDA C-PACE roster.

    Renewable energy eligible per CSCDA program rules.

    Loan size
    Negotiated per deal
    Term
    Up to 30 years
    Rate
    Negotiated per deal
    • Originated by a CA-chartered community bank
    • Oakland HQ

  • C-PACE

    CounterpointeSRE

    California-wide

    2nd-ever C-PACE administrator approved in California (CSCDA, since 2015).

    Renewable energy projects eligible under CSCDA C-PACE program rules.

    Loan size
    Up to 35% LTV
    Term
    Up to 35 years (capped by useful life of equipment)
    Rate
    Competitive — negotiated per deal
    • Non-recourse, transferable
    • 100% financing of eligible improvements
    • Senior property tax assessment

  • Equipment Finance

    DLL Group

    Solar-specific program California-wide

    Vendor / equipment finance — GoGreen Business participating lender.

    Equipment finance & leasing for clean tech vendors — rates as low as 0%; up to 20-year solar terms.

    Loan size
    $100K – $5M
    Term
    36–84 months (up to 20-yr for solar)
    Rate
    As low as 0% promotional rates
    • 24-month minimum business history
    • Vendor-channel finance
    • Rabobank balance sheet

  • C-PACE

    Dwight Green Finance

    California-wide

    C-PACE that stacks alongside Dwight's senior agency loans.

    Renewable energy eligible per CSCDA program rules.

    Loan size
    $1M+ typical
    Term
    Up to 30 years
    Rate
    Negotiated per deal
    • Stacks with senior agency multifamily debt
    • Property-tax-assessment secured

  • California Bank

    East West Bank — Clean Tech

    Solar-specific program California-wide

    California-HQ commercial bank with a dedicated Clean Tech project-finance group.

    Medium-term project financing for commercial-scale solar, in conjunction with tax-equity partners. Recent CA deals include $48M with GCL Solar (school portfolio, 18 MW).

    Loan size
    Negotiated per deal
    Term
    Medium-term project finance
    Rate
    Negotiated per deal
    • Tax-equity partnership structures
    • CA-headquartered
    • Mid-ticket project finance

  • Leasing

    Element Fleet Management

    California-wide

    Fleet leasing / financing — EV charging infrastructure + solar bundles.

    Operating leases, open-end TRAC, loans, sale-leasebacks for fleet + charging + solar bundles.

    Loan size
    Negotiated per deal
    Term
    Operating + capital leases
    Rate
    Negotiated per deal
    • EV fleet + charging + solar
    • TRAC + open-end lease structures
    • Fleet management bundling

  • C-PACE

    Figtree Financing

    Solar-specific program California-wide

    San Diego-based C-PACE shop — strong solar focus, 120+ CA jurisdictions.

    Has financed energy-efficiency improvements including HVAC, solar, cool roofing, and lighting.

    Loan size
    Negotiated per deal
    Term
    Up to 20 years typical
    Rate
    Negotiated per deal
    • Strong solar track record
    • Nonprofit + commercial focus
    • 120+ CA jurisdictions

  • National Bank

    Forbright Bank

    California-wide

    Sustainable-finance bank — C-PACE + Energy Loan Network for contractors.

    C-PACE loans help businesses build sustainable infrastructure; Energy Loan Network channels solar deals through approved contractors.

    Loan size
    Negotiated per deal
    Term
    C-PACE long-term
    Rate
    Negotiated per deal
    • C-PACE direct + Energy Loan Network
    • Contractor channel
    • CRE focus

  • Specialty Solar Lender

    Generate Capital

    Solar-specific program California-wide

    San Francisco-HQ sustainable infrastructure investor — Infrastructure-as-a-Service™.

    Long-term PPA structures for mid-market and industrial sustainability projects.

    Loan size
    Large-ticket — negotiated per deal
    Term
    Long-term PPA
    Rate
    Negotiated per deal
    • Infrastructure-as-a-Service™
    • CA-headquartered
    • Mid-market to MUSH

  • California State Program

    GoGreen Business Energy Financing

    Solar-specific program California-wide

    State-channeled commercial solar/storage financing with credit-enhancement.

    Clean energy generation + storage upgrades, EV charging, and energy-efficiency retrofits — including commercial solar (added 2023).

    Loan size
    $20K – $5M
    Term
    Up to 20 years (varies by lender)
    Rate
    Varies by participating lender
    • State credit-enhancement (CalCAP-aligned)
    • 6 pre-approved private lenders
    • Solar + storage + EV charging eligible

  • C-PACE

    GreenPACE Capital

    California-wide

    CA-rooted (Laguna Beach HQ) C-PACE lender with a low $50K floor.

    Eligible measures span solar, smart thermostats, wind, and windows.

    Loan size
    From $50K
    Term
    5–30 years
    Rate
    Negotiated per deal
    • $50K minimum (lowest in the field)
    • CA-headquartered
    • Streamlined small-deal process

  • Specialty Solar Lender

    Greenbacker Capital

    Solar-specific program California-wide

    Renewable IPP, tax-equity & debt deployer — owns / operates 100s of clean-energy assets.

    Acquires, owns, and operates clean energy infrastructure assets; tax-equity placement for developers.

    Loan size
    Large-ticket project finance
    Term
    Project acquisition / tax-equity
    Rate
    Negotiated per deal
    • Project acquisition route
    • Tax-equity placement
    • Mid-market to utility-scale

  • California State Program

    IBank Climate Catalyst Revolving Loan Fund

    California-wide

    State revolving loan fund (AB78) — participations alongside lead lenders.

    Solar projects eligible per AB78 criteria (current focus on forest biomass, transmission, climate-tech).

    Loan size
    $10M – $40M
    Term
    Loan participation alongside lead lender
    Rate
    Varies — at lead lender
    • Participates alongside private lead lender
    • Up to 50% of loan
    • Solar eligible per AB78

  • California State Program

    IBank Climate Tech Finance

    Solar-specific program California-wide

    State loan-guarantee program — 80% guarantee, up to $5M, on loans up to $20M.

    Loan guarantees of 80%, up to $5M, on loans up to $20M, with a 7-year term — applicable to solar project finance.

    Loan size
    Up to $20M
    Term
    7-year term
    Rate
    Varies — at the underlying lender
    • 80% state guarantee
    • Up to $5M guarantee on $20M loan
    • Northern California FDC partner network

  • Specialty Solar Lender

    Inclusive Prosperity Capital

    Solar-specific program California-wide

    National CDFI — solar PPA, lease, and debt with flexible underwriting.

    Solar PPA + Solar Lease for commercial properties to effortlessly adopt solar energy.

    Loan size
    From 50 kW system size
    Term
    PPA + lease + debt
    Rate
    Negotiated per deal
    • Flexible underwriting
    • Nonprofits + multifamily + MUSH
    • CA-licensed

  • SBA 7(a) Lender

    Live Oak Bank

    Solar-specific program California-wide

    SBA 7(a) Preferred Lender (#2 nationally FY25) + USDA REAP solar lender.

    USDA Rural Energy for America Program (REAP) — solar, battery storage, and other emerging technologies. SBA 7(a) up to $5M; SBA 504; USDA REAP guaranteed loans (80% guarantee FY25).

    Loan size
    Up to $5M
    Term
    SBA 7(a) up to 25 yrs (real estate) / 10 yrs (equipment)
    Rate
    Variable — pegged to Prime
    • SBA 7(a) Preferred Lender
    • USDA REAP origination
    • 80% USDA REAP guarantee FY25

  • C-PACE

    LordCap PACE

    California-wide

    National C-PACE direct lender on the CSCDA Open PACE roster (since 2018).

    Renewable energy / solar eligible per CSCDA program rules.

    Loan size
    Negotiated per deal
    Term
    Up to 30 years
    Rate
    Negotiated per deal
    • Non-recourse, transferable
    • Property-tax-assessment secured

  • C-PACE

    North Bridge

    California-wide

    Carlyle-backed C-PACE direct lender ($1B commitment).

    Renewable energy eligible per C-PACE rules.

    Loan size
    $10M – $250M
    Term
    Flexible long-term
    Rate
    Negotiated per deal
    • Stand-alone or combined with senior debt
    • Flexible new construction + recently-completed
    • Carlyle balance sheet

  • C-PACE

    Nuveen Green Capital

    California-wide

    Largest C-PACE lender in the U.S., approved through CSCDA Open PACE.

    Solar PV is an explicitly funded eligible measure. Recent California portfolio includes large mixed-use, hospitality, office, and industrial projects.

    Loan size
    $2M – $250M
    Term
    Up to 30 years
    Rate
    Negotiated per deal
    • Repaid via senior property tax assessment
    • Transferable on sale
    • 100% financing of hard + soft costs
    • Non-recourse

  • C-PACE

    PACE Equity

    California-wide

    C-PACE direct lender — fixed rate priced over 10-yr UST.

    Renewable energy eligible. Sunnyvalley Smoked Meats $5.2M case study explicitly tagged Solar / Renewables.

    Loan size
    Up to 30% LTV (max)
    Term
    Up to 30 years (fixed)
    Rate
    Spread over 10-year UST
    • Fixed-rate property tax assessment
    • DSCR 1.10–1.30 at stabilization
    • Complements senior debt

  • C-PACE

    PACE Loan Group

    Solar-specific program California-wide

    C-PACE direct lender — explicitly markets solar + storage projects.

    C-PACE funding for solar panels, battery storage, and installation. Available statewide via CSCDA opt-in jurisdictions.

    Loan size
    $500K – $50M
    Term
    Up to 30 years
    Rate
    Negotiated per deal
    • No personal guarantee
    • Up to 35% of appraised property value
    • Solar + battery storage explicitly funded

  • C-PACE

    Peachtree Group Credit

    California-wide

    Active C-PACE lender — recent solar-funded deals in Elk Grove and Paso Robles.

    Recent CA deals explicitly funded solar panels alongside plumbing and seismic improvements.

    Loan size
    Negotiated per deal — typical $1M – $100M+
    Term
    Up to 30 years
    Rate
    Negotiated per deal
    • Fixed-rate C-PACE
    • Stacks alongside senior debt
    • Active CA solar deals on record

  • C-PACE

    Petros PACE Finance

    California-wide

    Apollo-backed C-PACE lender with offices in Dana Point, San Diego, San Francisco.

    Solar listed as an eligible measure alongside HVAC, chillers, boilers, roofing, lighting, controls, windows, plumbing, irrigation.

    Loan size
    Negotiated per deal
    Term
    Up to 30 years
    Rate
    Negotiated per deal
    • Non-recourse, transferable on sale
    • Construction-to-perm or retrofit
    • Special property tax assessment

  • Equipment Finance

    Prime Capital Funding

    Solar-specific program California-wide

    Specialty finance — GoGreen Business participating lender. Cannabis-friendly.

    $100K – $5M; up to 20-year solar terms.

    Loan size
    $100K – $5M
    Term
    36–84 months (up to 20-yr for solar)
    Rate
    Varies
    • 36-month minimum
    • Cannabis industry friendly
    • GoGreen-enrolled

  • Specialty Solar Lender

    Renew Energy Partners

    Solar-specific program California-wide

    Energy-Service-Agreement (ESA) provider — GoGreen Business participating lender.

    $250K – $5M ESAs that can include generation + storage components.

    Loan size
    $500K – $5M
    Term
    60–180 months
    Rate
    ESA structure
    • 3-year minimum business history
    • No cannabis industry
    • Generation + storage included

  • Credit Union

    Salal Credit Union

    Solar-specific program California-wide

    Seattle-based credit union with an explicit commercial-solar product available in California.

    Commercial Solar Financing — terms up to 84 months; amortization up to 20 years; LTV up to 100% on projects ≤ $2.5M.

    Loan size
    Up to $2.5M
    Term
    Up to 84 months / 20-year amortization
    Rate
    Fixed-rate options
    • Up to 100% LTV on projects ≤ $2.5M
    • Commercial-solar-specific product
    • Operates in CA via business services

  • Equipment Finance

    Stonebriar Commercial Finance

    California-wide

    Independent large-ticket equipment finance / leasing (Eldridge).

    Tax leases, finance leases, sale-leasebacks, TRAC leases for clean-energy equipment.

    Loan size
    $5M – $500M
    Term
    3–20 year terms
    Rate
    Negotiated per deal
    • $5M – $500M tickets
    • Tax + finance + sale-leaseback structures
    • Independent (non-bank) capital

  • Specialty Solar Lender

    Sunstone Credit

    Solar-specific program California-wide

    Specialty commercial-solar loan platform — 'Lien Light' non-recourse structure.

    Loans customized for solar and for commercial borrowers of all sizes. Recent Large Loan Program supports solar + storage projects up to $30M.

    Loan size
    $50K – $30M
    Term
    5–20 years
    Rate
    Negotiated per deal
    • 'Lien Light' non-recourse — no real-property liens
    • Limited personal guarantees
    • Franchises, multifamily, retail, agriculture, storage

  • Specialty Solar Lender

    Sunwealth

    Solar-specific program California-wide

    DOE-backed specialty solar developer / financier — PPAs, leases, 100% project financing.

    100% Project Financing — PPAs, site leases, and operating leases for commercial projects greater than 25 kW DC.

    Loan size
    Negotiated per deal — minimum 25 kW DC
    Term
    PPAs / operating leases
    Rate
    Negotiated per deal
    • PPA / operating lease structures
    • DOE LPO loan-guarantee backing
    • Mission-aligned: nonprofits, schools, underserved markets

  • Community Bank

    Sunwest Bank

    Solar-specific program California-wide

    Orange County-rooted SBA Preferred Lender with a dedicated commercial solar program.

    Solar loans, leases, and PPAs for property owners, industrial operators, retail centers, office buildings, multi-site businesses.

    Loan size
    Negotiated per deal
    Term
    SBA 7(a), SBA 504, conventional CRE, capital lease
    Rate
    Negotiated per deal
    • SBA Preferred Lender
    • Loans + leases + PPAs
    • Multi-site portfolio focus

  • Specialty Solar Lender

    Sustainable Capital Finance

    Solar-specific program California-wide

    San Jose-HQ C&I solar PPA financier with 30–90 day close.

    PPA & takeout solutions for commercial, municipal, and non-profit projects — 30–90 day close.

    Loan size
    Negotiated per deal
    Term
    PPA structures
    Rate
    Negotiated per deal
    • CA-headquartered
    • PPA + developer takeout
    • 30–90 day close

  • SBA 504 CDC

    TMC Financing

    Solar-specific program California-wide

    California SBA 504 CDC with explicit Energy Efficiency Financing program.

    SBA 504 Energy Efficiency Financing — install solar panels and/or wind turbines for ≥15% of business energy use. 2024 policy change removed aggregate caps on green-stack projects.

    Loan size
    Up to $5.5M
    Term
    25-year fixed
    Rate
    Below-market — see SBA monthly debenture rate
    • 10% down — owner finances 90%
    • Below-market 25-year fixed
    • No aggregate cap on green-stack projects (post-2024 SBA rule change)

  • Equipment Finance

    U.S. Bank Equipment Finance

    California-wide

    Major-bank equipment finance with a dedicated renewable-energy team.

    Renewable energy team manages complex solar financing structures including vendor finance, capital leases, and term loans.

    Loan size
    Large-ticket — negotiated per deal
    Term
    Vendor finance / leases / term loans
    Rate
    Negotiated per deal
    • Renewable-energy specialty group
    • Long history in solar tax equity
    • Vendor + lease + loan structures

  • Equipment Finance

    Verdant Commercial Capital

    Solar-specific program California-wide

    Independent equipment finance — GoGreen Business participating lender.

    $25K – $5M equipment-finance agreements / leases up to 84 months.

    Loan size
    $25K – $5M
    Term
    12–84 months
    Rate
    Varies — EFA / lease
    • 24-month minimum
    • No cannabis / gaming / adult
    • Walmart / YMCA / community-solar track record

  • C-PACE

    White Oak Real Estate Capital

    California-wide

    C-PACE direct lender on the CSCDA Open PACE roster.

    Renewable energy eligible per CSCDA program rules.

    Loan size
    Negotiated per deal
    Term
    Up to 30 years
    Rate
    Negotiated per deal
    • Fixed-rate C-PACE assessment
    • Commercial properties only

  • C-PACE

    Bayview PACE

    California-wide

    Non-recourse C-PACE — interest-only up to 10 yrs, cap-i up to 3 yrs.

    Renewable energy eligible per CSCDA program rules.

    Loan size
    $2M – $100M
    Term
    5–30 years (interest-only up to 10, cap-i up to 3)
    Rate
    Negotiated per deal
    • Non-recourse
    • Up to 85% LTV stabilized
    • Flexible draw schedule

  • C-PACE

    CMFA Open PACE

    California-wide

    Statewide JPA C-PACE program — alternative roster to CSCDA.

    Renewable energy and commercial solar are eligible measures under the CMFA C-PACE handbook.

    Loan size
    Varies by administrator
    Term
    Up to 30 years typical
    Rate
    Varies by administrator
    • Alternative JPA to CSCDA
    • Multiple administrators on roster
    • Statewide opt-in

  • C-PACE

    CastleGreen Finance

    Solar-specific program California-wide

    C-PACE direct lender with explicit Solar PV + California Solar Initiative language.

    Solar PV systems must be eligible for and participate in California Solar Initiative or an equivalent utility rebate program.

    Loan size
    Negotiated per deal
    Term
    5–39 years (capped by useful life)
    Rate
    Negotiated per deal
    • Term capped by equipment useful life
    • Transferable on sale
    • Solar PV explicitly named

  • C-PACE

    CleanFund Commercial PACE Capital

    Solar-specific program California-wide

    First private commercial PACE company in the U.S.

    Renewable energy and solar PV explicitly eligible (CleanFund is a solar-rooted lender).

    Loan size
    Negotiated per deal — historically $0.5M – $50M+
    Term
    Up to 30 years
    Rate
    Negotiated per deal
    • 100% upfront fixed-rate financing
    • Solar PV explicitly funded
    • Transferable on sale

  • C-PACE

    Clearwater PACE

    California-wide

    Institutionally-capitalized C-PACE lender — fixed 20–30 yr terms.

    Eligible upgrades include HVAC, LED lighting + facility controls, boilers, windows, and solar.

    Loan size
    $500K – $500M
    Term
    20–30 years fixed
    Rate
    ~50% less than mezz / preferred equity
    • Fixed-rate, long-term financing
    • Stand-alone or stacked with senior debt
    • Senior property tax assessment

  • C-PACE

    Community Bank of the Bay — C-PACE

    California-wide

    Only California-chartered community bank on the CSCDA C-PACE roster.

    Renewable energy eligible per CSCDA program rules.

    Loan size
    Negotiated per deal
    Term
    Up to 30 years
    Rate
    Negotiated per deal
    • Originated by a CA-chartered community bank
    • Oakland HQ

  • C-PACE

    CounterpointeSRE

    California-wide

    2nd-ever C-PACE administrator approved in California (CSCDA, since 2015).

    Renewable energy projects eligible under CSCDA C-PACE program rules.

    Loan size
    Up to 35% LTV
    Term
    Up to 35 years (capped by useful life of equipment)
    Rate
    Competitive — negotiated per deal
    • Non-recourse, transferable
    • 100% financing of eligible improvements
    • Senior property tax assessment

  • C-PACE

    Dwight Green Finance

    California-wide

    C-PACE that stacks alongside Dwight's senior agency loans.

    Renewable energy eligible per CSCDA program rules.

    Loan size
    $1M+ typical
    Term
    Up to 30 years
    Rate
    Negotiated per deal
    • Stacks with senior agency multifamily debt
    • Property-tax-assessment secured

  • C-PACE

    Figtree Financing

    Solar-specific program California-wide

    San Diego-based C-PACE shop — strong solar focus, 120+ CA jurisdictions.

    Has financed energy-efficiency improvements including HVAC, solar, cool roofing, and lighting.

    Loan size
    Negotiated per deal
    Term
    Up to 20 years typical
    Rate
    Negotiated per deal
    • Strong solar track record
    • Nonprofit + commercial focus
    • 120+ CA jurisdictions

  • C-PACE

    GreenPACE Capital

    California-wide

    CA-rooted (Laguna Beach HQ) C-PACE lender with a low $50K floor.

    Eligible measures span solar, smart thermostats, wind, and windows.

    Loan size
    From $50K
    Term
    5–30 years
    Rate
    Negotiated per deal
    • $50K minimum (lowest in the field)
    • CA-headquartered
    • Streamlined small-deal process

  • C-PACE

    LordCap PACE

    California-wide

    National C-PACE direct lender on the CSCDA Open PACE roster (since 2018).

    Renewable energy / solar eligible per CSCDA program rules.

    Loan size
    Negotiated per deal
    Term
    Up to 30 years
    Rate
    Negotiated per deal
    • Non-recourse, transferable
    • Property-tax-assessment secured

  • C-PACE

    North Bridge

    California-wide

    Carlyle-backed C-PACE direct lender ($1B commitment).

    Renewable energy eligible per C-PACE rules.

    Loan size
    $10M – $250M
    Term
    Flexible long-term
    Rate
    Negotiated per deal
    • Stand-alone or combined with senior debt
    • Flexible new construction + recently-completed
    • Carlyle balance sheet

  • C-PACE

    Nuveen Green Capital

    California-wide

    Largest C-PACE lender in the U.S., approved through CSCDA Open PACE.

    Solar PV is an explicitly funded eligible measure. Recent California portfolio includes large mixed-use, hospitality, office, and industrial projects.

    Loan size
    $2M – $250M
    Term
    Up to 30 years
    Rate
    Negotiated per deal
    • Repaid via senior property tax assessment
    • Transferable on sale
    • 100% financing of hard + soft costs
    • Non-recourse

  • C-PACE

    PACE Equity

    California-wide

    C-PACE direct lender — fixed rate priced over 10-yr UST.

    Renewable energy eligible. Sunnyvalley Smoked Meats $5.2M case study explicitly tagged Solar / Renewables.

    Loan size
    Up to 30% LTV (max)
    Term
    Up to 30 years (fixed)
    Rate
    Spread over 10-year UST
    • Fixed-rate property tax assessment
    • DSCR 1.10–1.30 at stabilization
    • Complements senior debt

  • C-PACE

    PACE Loan Group

    Solar-specific program California-wide

    C-PACE direct lender — explicitly markets solar + storage projects.

    C-PACE funding for solar panels, battery storage, and installation. Available statewide via CSCDA opt-in jurisdictions.

    Loan size
    $500K – $50M
    Term
    Up to 30 years
    Rate
    Negotiated per deal
    • No personal guarantee
    • Up to 35% of appraised property value
    • Solar + battery storage explicitly funded

  • C-PACE

    Peachtree Group Credit

    California-wide

    Active C-PACE lender — recent solar-funded deals in Elk Grove and Paso Robles.

    Recent CA deals explicitly funded solar panels alongside plumbing and seismic improvements.

    Loan size
    Negotiated per deal — typical $1M – $100M+
    Term
    Up to 30 years
    Rate
    Negotiated per deal
    • Fixed-rate C-PACE
    • Stacks alongside senior debt
    • Active CA solar deals on record

  • C-PACE

    Petros PACE Finance

    California-wide

    Apollo-backed C-PACE lender with offices in Dana Point, San Diego, San Francisco.

    Solar listed as an eligible measure alongside HVAC, chillers, boilers, roofing, lighting, controls, windows, plumbing, irrigation.

    Loan size
    Negotiated per deal
    Term
    Up to 30 years
    Rate
    Negotiated per deal
    • Non-recourse, transferable on sale
    • Construction-to-perm or retrofit
    • Special property tax assessment

  • C-PACE

    White Oak Real Estate Capital

    California-wide

    C-PACE direct lender on the CSCDA Open PACE roster.

    Renewable energy eligible per CSCDA program rules.

    Loan size
    Negotiated per deal
    Term
    Up to 30 years
    Rate
    Negotiated per deal
    • Fixed-rate C-PACE assessment
    • Commercial properties only

  • Community Bank

    Beneficial State Bank

    Local pick for Sacramento Solar-specific program

    CDFI / B-Corp community bank — explicit Green Lending Program for commercial real estate.

    Construction + term loans for commercial solar PV (rooftop and ground-mount) under the Green Lending Program. Requires green-building certification.

    Loan size
    Negotiated per deal
    Term
    Up to 35 years (multifamily) / 30 years (other CRE)
    Rate
    Negotiated per deal
    • CDFI + B-Corp mission alignment
    • LTV up to 80% / LTC up to 85%
    • Solar PV explicitly named

  • Community Bank

    First Northern Bank of Dixon

    Local pick for Sacramento Solar-specific program

    Sacramento Valley community bank — "leading community bank in clean energy lending".

    Equipment loans / leasing, term loans, lines of credit, SBA, CRE, construction financing for solar projects. Has financed millions in solar.

    Loan size
    Negotiated per deal
    Term
    Equipment loans, leasing, term, LoC, SBA, construction
    Rate
    Negotiated per deal
    • Sacramento Valley footprint (7 counties)
    • Multiple loan structures
    • Strong regional clean-energy track record

  • Community Bank

    River City Bank

    Local pick for Sacramento Solar-specific program California-wide

    Sacramento-HQ commercial bank with a dedicated Clean Energy Division (since ~2014).

    Debt financing for commercial and utility-scale renewables; lines of credit; construction + term loans.

    Loan size
    $5M – $50M
    Term
    Construction + term
    Rate
    Negotiated per deal
    • Dedicated Clean Energy Division
    • Mid-ticket project finance
    • Sacramento + Bay Area roots

  • Credit Union

    Travis Credit Union

    Local pick for Sacramento Solar-specific program

    GoGreen Business participating lender — Northern California 12-county footprint.

    Commercial solar / energy-efficiency / storage loans for property owners and CRE investors with at least 3 years in business.

    Loan size
    $100K – $350K
    Term
    7–10 years
    Rate
    10-year Treasury + 3%
    • GoGreen Business participating lender
    • 12-county NorCal membership zone
    • 3-year minimum business history

  • National Bank

    Amalgamated Bank

    California-wide

    Mission-driven bank — C-PACE buyer, tax-equity participant, project debt.

    Commitments to C-PACE financing for solar and energy projects; participation in tax-equity structures.

    Loan size
    Project-finance ticket sizes ($15M+)
    Term
    Project debt + tax equity
    Rate
    Negotiated per deal
    • Mission-driven balance sheet
    • C-PACE buyer + tax-equity partner
    • Mid-large C&I focus

  • California Bank

    California Bank & Trust — Power & Project Finance

    Solar-specific program California-wide

    CA-focused commercial bank with a dedicated Power & Project Finance Group.

    Senior secured construction and/or term loans, back-leverage facilities, revolving credit lines, letters of credit for renewable & conventional power.

    Loan size
    Negotiated per deal
    Term
    Construction + term + revolver
    Rate
    Negotiated per deal
    • Senior secured construction + term
    • Back-leverage facilities
    • Power generation sponsor focus

  • California Bank

    City National Bank — Renewable Energy

    Solar-specific program California-wide

    LA-HQ private bank — senior debt, construction, sale-leaseback for renewables.

    Construction + permanent financing, sale-leaseback arrangements, asset aggregation facilities, letters of credit for utility-scale solar, distributed generation, community solar, BESS, wind.

    Loan size
    Negotiated per deal — large-ticket
    Term
    Construction + permanent + sale-leaseback
    Rate
    Negotiated per deal
    • Lead arranger experience
    • Sale-leaseback structures
    • Mid-market to utility-scale

  • National Bank

    Climate First Bank

    Solar-specific program California-wide

    Climate-focused national bank with straightforward commercial-solar loans.

    Straightforward solar loans for non-profit and commercial clients — competitive rates, no dealer fees, no prepayment penalty.

    Loan size
    Negotiated per deal
    Term
    Term loans
    Rate
    Competitive — no dealer fees, no prepayment penalty
    • Climate-mission bank
    • No dealer fees
    • No prepayment penalty
    • Nonprofits welcome

  • California Bank

    East West Bank — Clean Tech

    Solar-specific program California-wide

    California-HQ commercial bank with a dedicated Clean Tech project-finance group.

    Medium-term project financing for commercial-scale solar, in conjunction with tax-equity partners. Recent CA deals include $48M with GCL Solar (school portfolio, 18 MW).

    Loan size
    Negotiated per deal
    Term
    Medium-term project finance
    Rate
    Negotiated per deal
    • Tax-equity partnership structures
    • CA-headquartered
    • Mid-ticket project finance

  • National Bank

    Forbright Bank

    California-wide

    Sustainable-finance bank — C-PACE + Energy Loan Network for contractors.

    C-PACE loans help businesses build sustainable infrastructure; Energy Loan Network channels solar deals through approved contractors.

    Loan size
    Negotiated per deal
    Term
    C-PACE long-term
    Rate
    Negotiated per deal
    • C-PACE direct + Energy Loan Network
    • Contractor channel
    • CRE focus

  • Credit Union

    Salal Credit Union

    Solar-specific program California-wide

    Seattle-based credit union with an explicit commercial-solar product available in California.

    Commercial Solar Financing — terms up to 84 months; amortization up to 20 years; LTV up to 100% on projects ≤ $2.5M.

    Loan size
    Up to $2.5M
    Term
    Up to 84 months / 20-year amortization
    Rate
    Fixed-rate options
    • Up to 100% LTV on projects ≤ $2.5M
    • Commercial-solar-specific product
    • Operates in CA via business services

  • Community Bank

    Sunwest Bank

    Solar-specific program California-wide

    Orange County-rooted SBA Preferred Lender with a dedicated commercial solar program.

    Solar loans, leases, and PPAs for property owners, industrial operators, retail centers, office buildings, multi-site businesses.

    Loan size
    Negotiated per deal
    Term
    SBA 7(a), SBA 504, conventional CRE, capital lease
    Rate
    Negotiated per deal
    • SBA Preferred Lender
    • Loans + leases + PPAs
    • Multi-site portfolio focus

  • SBA 504 CDC

    AmPac Business Capital

    Solar-specific program California-wide

    First faith-based SBA 504 lender — 504 Energy program.

    AmPac's 504 Energy program has supported projects that included installation of solar panels — no aggregate cap on total project.

    Loan size
    Negotiated per deal
    Term
    Standard 504
    Rate
    Below-market — SBA monthly debenture
    • Faith-based mission
    • No aggregate cap
    • CA + AZ + NV

  • SBA 504 CDC

    Bay Area Development Company

    Solar-specific program California-wide

    Top-20 SBA 504 CDC — $3B+ funded across 1,700+ companies.

    Capital equipment (production + solar power systems) qualifies for SBA 504 financing.

    Loan size
    Up to $16.5M
    Term
    Standard 504
    Rate
    Below-market — SBA monthly debenture
    • Top-20 CDC nationally
    • Bay Area / NorCal focus
    • Up to $16.5M aggregate green stack

  • SBA 504 CDC

    California Statewide CDC

    California-wide

    Statewide California SBA 504 CDC — 35+ years of operation.

    Below-market 504 financing supports green / energy upgrades alongside owner-occupied real estate.

    Loan size
    Negotiated per deal
    Term
    Standard 504 + Statewide Fast 504
    Rate
    Below-market — SBA monthly debenture
    • Statewide CA
    • 35+ years operating
    • Statewide Fast 504 expedited program

  • SBA 504 CDC

    Capital Access Group

    Solar-specific program California-wide

    San Francisco-HQ SBA 504 CDC — funded $10.2M for Auxin Solar San Jose.

    Green equipment such as solar panels and energy-efficient improvements qualify for 504 financing.

    Loan size
    Up to $5.5M
    Term
    Standard SBA 504 (90% finance, 10% down, 25-yr)
    Rate
    Below-market — SBA monthly debenture
    • SF-headquartered (since 1981)
    • Statewide CA
    • Auxin Solar case study

  • SBA 7(a) Lender

    Live Oak Bank

    Solar-specific program California-wide

    SBA 7(a) Preferred Lender (#2 nationally FY25) + USDA REAP solar lender.

    USDA Rural Energy for America Program (REAP) — solar, battery storage, and other emerging technologies. SBA 7(a) up to $5M; SBA 504; USDA REAP guaranteed loans (80% guarantee FY25).

    Loan size
    Up to $5M
    Term
    SBA 7(a) up to 25 yrs (real estate) / 10 yrs (equipment)
    Rate
    Variable — pegged to Prime
    • SBA 7(a) Preferred Lender
    • USDA REAP origination
    • 80% USDA REAP guarantee FY25

  • SBA 504 CDC

    TMC Financing

    Solar-specific program California-wide

    California SBA 504 CDC with explicit Energy Efficiency Financing program.

    SBA 504 Energy Efficiency Financing — install solar panels and/or wind turbines for ≥15% of business energy use. 2024 policy change removed aggregate caps on green-stack projects.

    Loan size
    Up to $5.5M
    Term
    25-year fixed
    Rate
    Below-market — see SBA monthly debenture rate
    • 10% down — owner finances 90%
    • Below-market 25-year fixed
    • No aggregate cap on green-stack projects (post-2024 SBA rule change)

  • Specialty Solar Lender

    CleanCapital

    Solar-specific program California-wide

    C&I solar / storage asset owner — buys operating projects and finances developers.

    Developer takeout for C&I solar, community-solar, and storage projects.

    Loan size
    Negotiated per deal
    Term
    Project takeout
    Rate
    Negotiated per deal
    • Developer takeout focus
    • C&I + community solar + storage
    • $1B+ deployed

  • Specialty Solar Lender

    Generate Capital

    Solar-specific program California-wide

    San Francisco-HQ sustainable infrastructure investor — Infrastructure-as-a-Service™.

    Long-term PPA structures for mid-market and industrial sustainability projects.

    Loan size
    Large-ticket — negotiated per deal
    Term
    Long-term PPA
    Rate
    Negotiated per deal
    • Infrastructure-as-a-Service™
    • CA-headquartered
    • Mid-market to MUSH

  • Specialty Solar Lender

    Greenbacker Capital

    Solar-specific program California-wide

    Renewable IPP, tax-equity & debt deployer — owns / operates 100s of clean-energy assets.

    Acquires, owns, and operates clean energy infrastructure assets; tax-equity placement for developers.

    Loan size
    Large-ticket project finance
    Term
    Project acquisition / tax-equity
    Rate
    Negotiated per deal
    • Project acquisition route
    • Tax-equity placement
    • Mid-market to utility-scale

  • Specialty Solar Lender

    Inclusive Prosperity Capital

    Solar-specific program California-wide

    National CDFI — solar PPA, lease, and debt with flexible underwriting.

    Solar PPA + Solar Lease for commercial properties to effortlessly adopt solar energy.

    Loan size
    From 50 kW system size
    Term
    PPA + lease + debt
    Rate
    Negotiated per deal
    • Flexible underwriting
    • Nonprofits + multifamily + MUSH
    • CA-licensed

  • Specialty Solar Lender

    Renew Energy Partners

    Solar-specific program California-wide

    Energy-Service-Agreement (ESA) provider — GoGreen Business participating lender.

    $250K – $5M ESAs that can include generation + storage components.

    Loan size
    $500K – $5M
    Term
    60–180 months
    Rate
    ESA structure
    • 3-year minimum business history
    • No cannabis industry
    • Generation + storage included

  • Specialty Solar Lender

    Sunstone Credit

    Solar-specific program California-wide

    Specialty commercial-solar loan platform — 'Lien Light' non-recourse structure.

    Loans customized for solar and for commercial borrowers of all sizes. Recent Large Loan Program supports solar + storage projects up to $30M.

    Loan size
    $50K – $30M
    Term
    5–20 years
    Rate
    Negotiated per deal
    • 'Lien Light' non-recourse — no real-property liens
    • Limited personal guarantees
    • Franchises, multifamily, retail, agriculture, storage

  • Specialty Solar Lender

    Sunwealth

    Solar-specific program California-wide

    DOE-backed specialty solar developer / financier — PPAs, leases, 100% project financing.

    100% Project Financing — PPAs, site leases, and operating leases for commercial projects greater than 25 kW DC.

    Loan size
    Negotiated per deal — minimum 25 kW DC
    Term
    PPAs / operating leases
    Rate
    Negotiated per deal
    • PPA / operating lease structures
    • DOE LPO loan-guarantee backing
    • Mission-aligned: nonprofits, schools, underserved markets

  • Specialty Solar Lender

    Sustainable Capital Finance

    Solar-specific program California-wide

    San Jose-HQ C&I solar PPA financier with 30–90 day close.

    PPA & takeout solutions for commercial, municipal, and non-profit projects — 30–90 day close.

    Loan size
    Negotiated per deal
    Term
    PPA structures
    Rate
    Negotiated per deal
    • CA-headquartered
    • PPA + developer takeout
    • 30–90 day close

  • Equipment Finance

    Ascentium Capital

    Solar-specific program California-wide

    GoGreen Business participating equipment-finance company.

    $10K – $2M equipment-finance agreements for CA Small Business Energy Efficiency Financing.

    Loan size
    $10K – $2M
    Term
    12–60 months
    Rate
    Varies — equipment-finance agreement
    • 12-month minimum business history
    • Property owners + tenants eligible
    • GoGreen-enrolled

  • Equipment Finance

    Caterpillar Financial Services

    California-wide

    OEM captive finance — finances commercial solar panel systems via Cat dealer network.

    Loans + leases for commercial solar panel systems through the Cat dealer network.

    Loan size
    Negotiated per deal
    Term
    Loans + leases
    Rate
    Negotiated per deal
    • OEM captive finance
    • Cat dealer network
    • Established commercial-solar product

  • Equipment Finance

    DLL Group

    Solar-specific program California-wide

    Vendor / equipment finance — GoGreen Business participating lender.

    Equipment finance & leasing for clean tech vendors — rates as low as 0%; up to 20-year solar terms.

    Loan size
    $100K – $5M
    Term
    36–84 months (up to 20-yr for solar)
    Rate
    As low as 0% promotional rates
    • 24-month minimum business history
    • Vendor-channel finance
    • Rabobank balance sheet

  • Leasing

    Element Fleet Management

    California-wide

    Fleet leasing / financing — EV charging infrastructure + solar bundles.

    Operating leases, open-end TRAC, loans, sale-leasebacks for fleet + charging + solar bundles.

    Loan size
    Negotiated per deal
    Term
    Operating + capital leases
    Rate
    Negotiated per deal
    • EV fleet + charging + solar
    • TRAC + open-end lease structures
    • Fleet management bundling

  • Equipment Finance

    Prime Capital Funding

    Solar-specific program California-wide

    Specialty finance — GoGreen Business participating lender. Cannabis-friendly.

    $100K – $5M; up to 20-year solar terms.

    Loan size
    $100K – $5M
    Term
    36–84 months (up to 20-yr for solar)
    Rate
    Varies
    • 36-month minimum
    • Cannabis industry friendly
    • GoGreen-enrolled

  • Equipment Finance

    Stonebriar Commercial Finance

    California-wide

    Independent large-ticket equipment finance / leasing (Eldridge).

    Tax leases, finance leases, sale-leasebacks, TRAC leases for clean-energy equipment.

    Loan size
    $5M – $500M
    Term
    3–20 year terms
    Rate
    Negotiated per deal
    • $5M – $500M tickets
    • Tax + finance + sale-leaseback structures
    • Independent (non-bank) capital

  • Equipment Finance

    U.S. Bank Equipment Finance

    California-wide

    Major-bank equipment finance with a dedicated renewable-energy team.

    Renewable energy team manages complex solar financing structures including vendor finance, capital leases, and term loans.

    Loan size
    Large-ticket — negotiated per deal
    Term
    Vendor finance / leases / term loans
    Rate
    Negotiated per deal
    • Renewable-energy specialty group
    • Long history in solar tax equity
    • Vendor + lease + loan structures

  • Equipment Finance

    Verdant Commercial Capital

    Solar-specific program California-wide

    Independent equipment finance — GoGreen Business participating lender.

    $25K – $5M equipment-finance agreements / leases up to 84 months.

    Loan size
    $25K – $5M
    Term
    12–84 months
    Rate
    Varies — EFA / lease
    • 24-month minimum
    • No cannabis / gaming / adult
    • Walmart / YMCA / community-solar track record

  • California State Program

    CalCAP Collateral Support

    California-wide

    State credit-enhancement / cash-pledge program — usable for solar at participating banks.

    Loan amounts $25K – $20M for any approved purpose, including commercial solar, at participating CA financial institutions.

    Loan size
    $25K – $20M
    Term
    Varies — at the underlying lender
    Rate
    Varies — at the underlying lender
    • Open to any CA bank, savings association, federally-certified CDFI, or credit union
    • Closes collateral gap
    • SSBCI 2.0-funded

  • California State Program

    GoGreen Business Energy Financing

    Solar-specific program California-wide

    State-channeled commercial solar/storage financing with credit-enhancement.

    Clean energy generation + storage upgrades, EV charging, and energy-efficiency retrofits — including commercial solar (added 2023).

    Loan size
    $20K – $5M
    Term
    Up to 20 years (varies by lender)
    Rate
    Varies by participating lender
    • State credit-enhancement (CalCAP-aligned)
    • 6 pre-approved private lenders
    • Solar + storage + EV charging eligible

  • California State Program

    IBank Climate Catalyst Revolving Loan Fund

    California-wide

    State revolving loan fund (AB78) — participations alongside lead lenders.

    Solar projects eligible per AB78 criteria (current focus on forest biomass, transmission, climate-tech).

    Loan size
    $10M – $40M
    Term
    Loan participation alongside lead lender
    Rate
    Varies — at lead lender
    • Participates alongside private lead lender
    • Up to 50% of loan
    • Solar eligible per AB78

  • California State Program

    IBank Climate Tech Finance

    Solar-specific program California-wide

    State loan-guarantee program — 80% guarantee, up to $5M, on loans up to $20M.

    Loan guarantees of 80%, up to $5M, on loans up to $20M, with a 7-year term — applicable to solar project finance.

    Loan size
    Up to $20M
    Term
    7-year term
    Rate
    Varies — at the underlying lender
    • 80% state guarantee
    • Up to $5M guarantee on $20M loan
    • Northern California FDC partner network

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Why solar in Sacramento

Local conditions, local economics.

Why energy savings stack up in Sacramento:

  • SMUD commercial rates make onsite generation a structural cost-cut, not a marketing line.
  • Local sectors like government & municipal, healthcare, higher education, and commercial real estate all operate on commercial properties with parking footprints large enough to host meaningful solar arrays. We size the canopy to your parking-space count, not the other way around.
  • Permit pathways in the Sacramento Valley are well-trodden for our team — we've worked with the AHJs that serve Sacramento and we know which corrections come up first.

Climate & energy market

Sacramento Valley solar context

The Sacramento Valley delivers some of California's strongest commercial solar production thanks to long, cloudless summers. Sites in SMUD territory benefit from one of the most predictable commercial rate structures in the state, while PG&E sites in Yolo, Placer and Solano counties see meaningful demand-charge reduction from solar paired with storage.

Top sectors that benefit

Built for Sacramento's commercial mix.

Government & Municipal

Public-sector projects may use direct-pay (IRA Section 6417) plus prevailing-wage adders, often achieving 50%+ effective offset.

Healthcare

Hospitals, clinics and outpatient centers carry constant cooling loads and large patient-and-staff parking lots ideal for canopies.

Higher Education

University and community-college campuses typically have multiple eligible parking lots and benefit from public-funding pathways.

Commercial Real Estate

Property owners use carport projects to lift NOI and reduce vacancy in tenant-paid-utility scenarios.

Incentives that apply here

Stack the savings on your Sacramento project.

Federal, state and SMUD programs are modeled into every proposal. We file the paperwork — you get the credits.

Federal Investment Tax Credit (ITC)

30% base credit on solar and storage under the Inflation Reduction Act, with adders for domestic content, energy communities and prevailing-wage compliance — stackable up to 50%+.

MACRS Accelerated Depreciation

Depreciate the system over 5 years (with bonus depreciation rules) to dramatically reduce federal tax liability in the early project years.

California SGIP (storage)

The Self-Generation Incentive Program pays per-kWh for installed battery storage. Equity, equity resiliency and small-business carve-outs significantly raise the rebate per kWh.

CALeVIP (EV charger rebates)

CALeVIP and complementary utility programs cover a meaningful share of EV charger costs when you bundle Level 2 or DCFC into the carport project.

SMUD commercial solar PV programs

SMUD's commercial solar interconnection process is among the most predictable in California, and its rate structure makes onsite generation pencil quickly for medium and large commercial loads.

Permitting & AHJ

City permitting context

Commercial solar carport permits in Sacramento are typically reviewed by City of Sacramento Community Development, with parallel sign-off from the local fire authority and the serving electric utility. We handle the full submittal package — structural calcs, electrical single-line, mounting details — and respond directly to plan-checker corrections.

Local industry news

Latest from Sacramento

Curated coverage from authoritative trade and policy sources, tagged for Sacramento by our newsroom job.

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Other Sacramento Valley cities

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A free custom report includes a cost savings estimate, a 30-year cash-flow model with ITC, MACRS and SGIP, and a structural fit-check based on your parking layout. Or skip ahead and book a 30-minute call with our California-based team.

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