The solar industry is complex, but the financing doesn’t have to be. We know that it can be difficult to find financing partners who are willing to underwrite post-PPA revenue and other non-traditional revenue sources like community solar and energy storage. Our solar lending team members are experts in utility-scale and C&I solar, community solar and energy storage project financing nationwide. We offer solar project developers and their tax equity partners a first-class lending experience.

Short term loans can strain your cash flow or keep you from investing in new assets, and short amortizations pose interest rate risk for a long-term held asset. We offer as long as 25-year fixed rate financing and a variety of deal structures that serve both single- and multi-site projects in any U.S. state or territory. We know the program, the process and the players, so we can ensure your financing experience is smooth and efficient.

Loan Solutions

  • Community Solar Financing

    Live Oak Bank will consider community solar gardens with investment grade, non-investment grade and/or residential subscribers under all types of subscription agreements.

  • Energy Storage Financing

    We finance both solar plus storage projects as well as standalone storage projects. We know the asset class and can provide value with long-term, project-level debt.

  • Utility Scale Solar Financing

    Our solar lending team members are experts in utility-scale and C&I solar, community solar and energy storage project financing nationwide.

Live Oak’s been a tremendous partner with us. They understand the lending component of the business but also the asset class, how the projects are built, financed, brought online and ultimately operate.”

- Richard Wright, Director of Operations, Heelstone Energy

See how we helped  

Overview: USDA lending process

The solar industry is complex, but we make the financing simple. Check out our USDA Lending Process Overview.

Read Now

Renewable Energy:
Rate Collar Option

We offer a Rate Collar Option to protect solar project economics against future movements in interest rates.

Learn More

Why Live Oak


We’ll take you where you need to go with our deep industry and product expertise. Our team understands the ins and outs of different business models, and we package your loan accordingly. Every industry has its own nuances and our lenders get that. When it comes to matching your businesses with the best loan, you can trust that it will be the ideal fit.


Our commitment to efficiency and transparency helps you avoid costly mistakes. We work hard to streamline the entire loan process, from the initial conversation to the day you get your money. Throughout your Live Oak experience, we’ll keep you updated and informed. By taking advantage of next-generation technology, your loan will move through each stage seamlessly. Our experienced team knows that your time is valuable, and we won’t waste any of it.


We strive to provide unmatched service and an unwavering dedication to your success. Our customers are at the heart of everything we do at Live Oak. We like to say that we treat every customer like our only customer, and we honestly mean that. Your hopes, your dreams and your goals hold a lot of weight – it is what we work together to achieve. Going above and beyond for you is simply how we operate. We can only say that we’re successful when you are too, so we’ll do everything in our power to make that happen.

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Our Solar Financing Team
understands your business

From our Solar Financing Resource Center

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