Better Loan Terms for Today’s Solar Energy Leaders

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.

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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.

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  • 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.

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  • 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.

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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

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Overview: USDA lending process

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

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Renewable Energy Rate Lock Option

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

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Why Live Oak

Favorable Terms

For many projects, we can provide you with a 20- to 25-year, fixed-rate, fully-amortizing loan with no balloon payments or surprises. Our longer terms maximize leverage and allow you to lower your monthly payments, putting more cash in your pocket for future economic opportunities and supporting tax equity preferred returns. We also provide construction financing to streamline your process, allowing you to lock in your permanent loan rate and terms before you break ground.

Trusted Advisors

We are experts in USDA-guaranteed financing for solar and other technologies, with extensive experience providing loans for rural communities nationwide. Our team also has a deep technical understanding of structured finance for renewable energy projects. We are the nation’s largest USDA Renewable Energy for America Program (REAP) lender and the second largest USDA Business & Industry (B&I) lender (Source: USDA, REAP Lender by Lending Volume in FY 2017). We have over 50 years of combined expertise, so you can count on us to be your trusted advisor and financing partner—no matter what your project entails.

Personal Service

We will be here for you throughout the life of your loan and believe deeply in supporting the solar industry’s growth with personalized support for each of our customers. Our team of loan officers and underwriters offers a simplified process, from efficient initial sizing and a clear diligence path to funding you can count on. After your loan closes, you will have a dedicated business analyst you can reach directly via phone or email for friendly, personal assistance and service.

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From our Solar Financing Resource Center

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