Solar & Renewables Finance
Finance solar and batteries — for your home or your business.
Residential and commercial solar, batteries and hybrid systems, compared with access to a panel of 60+ lenders and structured so the repayments work against the power-bill savings.
How solar finance works
Solar makes the most sense when the finance is structured to sit comfortably against the savings on your power bill.
Rather than waiting to save the full cost of a system, solar finance spreads it over time so you can install now and let the energy savings offset the repayments. The trick is comparing options — most installers push a single finance partner, which rarely lands you the best structure or rate. We compare with access to a panel of 60+ lenders for both households and businesses, so the facility fits your situation instead of the installer's.
Residential vs commercial solar
| Residential | Commercial | |
|---|---|---|
| Typical structure | Secured or unsecured personal finance | Asset finance or business facility |
| The upside | Savings offset repayments | Lower running costs + possible tax/depreciation benefits |
| Assessed on | Personal income & credit | Business trading & the asset |
Commercial solar can carry tax and depreciation benefits — worth a quick word with your accountant. We structure the finance to suit either way.
What we finance
- Rooftop solar — residential and commercial PV systems.
- Battery storage — add storage to a new or existing system.
- Hybrid systems — solar plus battery, sized to your usage.
- Commercial-scale — larger installations financed as business assets.
Rates & what drives your pricing
- Residential or commercial — and whether it's secured or unsecured.
- System size & cost — and whether a battery is included.
- Your profile — personal income and credit, or business trading history.
- Lender fit — comparing the panel instead of one installer's partner.
Any figures on this page are indicative only and do not constitute a formal finance offer or approval.
Eligibility & what lenders look for
For households, lenders look at personal income, credit and the system cost. For businesses, it's trading history, serviceability and the asset itself. Because we compare across the market, we can often place solar finance that a single installer partner would decline — and structure the repayment to sit against the savings.
See your indicative rate & repayment
A personalised outcome in under 90 seconds.
Common questions
How does solar finance work?
Solar finance spreads the cost of a system over time so you can install now and let the power-bill savings offset the repayments, rather than waiting to save the full cost up front. For homes it's usually secured or unsecured personal finance; for businesses it's often structured as asset finance.
Can I finance solar and a battery together?
Yes. Combined solar-and-battery and hybrid systems can be financed as a single facility, sized to your usage.
Is commercial solar tax-deductible?
Commercial solar may offer tax and depreciation benefits depending on your circumstances — worth confirming with your accountant. We can structure it as asset finance or a business facility to suit either way.
Can I get solar finance with bad credit?
It's often still possible, though the options and rate depend on the detail. We compare across the lenders we can access rather than relying on one installer's single finance partner, which usually widens what's achievable.
Should I finance solar or pay cash?
If the repayments are lower than the energy savings, financing lets you keep your cash and still come out ahead each month. If you have idle cash and no better use for it, paying outright avoids interest. We'll help you see the trade-off clearly.
What rate will I pay?
Solar finance pricing depends on whether it's residential or commercial, secured or unsecured, the system size, and your profile. It's set per deal, so the eligibility check is the accurate way to see your indicative rate. Any figure here is indicative only and not a formal offer.
Finance tool
Solar finance calculator
Estimate monthly repayments on a solar or battery system — adjust the system cost, deposit, term and example rate, then get your real indicative rate from the eligibility check.
Solar finance calculator
Example rate only — not a DeMarque Finance quote. Your actual rate and eligibility come from the eligibility check.
DeMarque Group Pty Ltd trading as DeMarque Finance. Results are indicative only and do not constitute a formal finance offer or approval. DeMarque Finance is authorised Credit Representative 522568 under Australian Credit Licence 384704. Phone 1300 108 751.
Go deeper
Solar finance guides
Solar finance approval criteria
What lenders check before they say yes.
Solar loan vs paying cash
When financing beats paying up front.
Financing solar with bad credit
What's possible when your credit isn't perfect.
Solar finance declined?
Why it happens and how to come back approvable.
How asset finance works
The structure behind commercial solar finance.
Asset finance made simple
Upgrade without draining working capital.
Your move
See what you can get approved for.
A personalised indicative outcome in under 90 seconds. No credit check to start, no obligation.
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