Business solar finance calculator
Compare buying outright, 100% finance and a PPA for your business. Enter your electricity spend to see the upfront cost, monthly payment and year-one net cashflow for each. Indicative only, not a quote.
Indicative system
147 kWp
Annual energy benefit
£39,055
| Route | Upfront | Monthly cost | Net cashflow (yr 1) | You own it |
|---|---|---|---|---|
| Buy outright | £124,950 | £0 | +£3,255/mo | Yes |
| 100% finance (HP / loan) | ~£0 | £2,191/mo | +£1,064/mo | At end |
| PPA | £0 | Pay for power | +£813/mo | No |
Owning the system, from cash or a business loan, also gives an indicative £31,238 of year-one tax relief through the Annual Investment Allowance, which finance and outright purchase both keep but a PPA does not. Finance can be cash-flow positive from year one when the monthly saving beats the payment. A PPA needs no capital but the funder keeps ownership, the tax relief and the export income.
See the routes side by sideIndicative estimate using standard 2026 UK assumptions; not a quote and not financial advice. Actual finance and PPA terms vary by provider and covenant strength. This tool does not store anything you enter.
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Calculator FAQs
How does this calculator work?
It sizes an indicative system from your electricity spend and daytime usage, estimates the annual saving, then compares three funding routes: buying outright, 100% finance such as hire purchase or a business loan, and a PPA. It uses standard 2026 UK assumptions and is an estimate, not a quote.
What assumptions does it use?
About 950 kWh generated per kWp per year, an installed cost near £850 per kWp, a 15p Smart Export Guarantee rate for exported units, and your own inputs for unit price, daytime usage, finance term, finance rate and PPA discount. Your real figures depend on your roof, load profile and the actual finance terms offered.
Why is the finance route sometimes cash-flow positive?
If the annual energy saving is larger than the annual finance payment, the project puts money in your pocket from year one even though you paid nothing upfront. Whether that happens depends on system size versus consumption, your tariff and the finance rate.
Is this a quote?
No. It is an indicative comparison to help you scope the funding decision. A firm quote needs your meter data and actual finance or PPA terms, which our vetted installer and funder partners provide.