Commercial Loan Modeling·For-Profit & Tax-Exempt

How will your project cash flow?

Model the loan payment schedule, apply federal tax incentives to reduce principal or take as cash, and compare your monthly payment to your projected energy savings year-by-year.

$
$
10.0% of gross
% APR
ITC + MACRS depreciation
Year 1 payments same either way; choice changes Year 2+.
⚡ Tax credits exceed remaining loan balance — loan is paid off at the start of Year 2.
Year 1 Monthly
$5,326
Loan payment
Year 2+ Monthly
$2,108
After principal reduction
Total Tax Benefit
$250,000
ITC + depreciation
Net Project Cost
$250,000
After all incentives
Preliminary scenario only — not a financing offer, quote, or commitment. Final terms depend on lender underwriting and a site assessment. Not tax, legal, or financial advice; consult your own advisors. © 2026 Better Tomorrow Solar.

Loan Structure

Gross Project Amount$500,000
Down Payment−$50,000
Initial Loan Principal$450,000
Year 1 Annual Payment$63,912
Year 2+ Annual Payment$25,300
Total Interest Paid$62,300

Tax Incentive Breakdown

Annual Cash Flow & Cumulative Position

Loan Payment
Energy Savings
Tax Credit (Year 2, cash option)
Cumulative Net
Year Loan Payment Energy Savings Tax Credit Net Annual Cumulative
Estimates only — not a financing offer, quote, or commitment. The figures produced by this calculator — including system size, installed cost, monthly payments, financing terms, IRR, payback, savings, tax-credit value, and any cash, loan, lease, or PPA comparisons — are preliminary scenario estimates generated from the limited inputs you provide and general assumptions. They are not an engineered proposal, a binding price, a financing offer, a guarantee of approval, terms, or rates, a credit decision, a guarantee of tax-credit eligibility or value, or a commitment of any kind.

Actual financing availability, rates, payment terms, and structures depend on lender underwriting, your organization's creditworthiness and financial profile, the specific project, applicable federal and state regulations, and market conditions at the time of any application. Tax credit values, depreciation treatment, and incentive eligibility depend on your organization's specific tax position and applicable federal and state law, which change over time.

Better Tomorrow Solar does not provide tax, legal, financial, accounting, or investment advice. You should consult your own qualified tax advisor, legal counsel, accountant, and financial advisor regarding your specific situation before making any financing or project decision. Any project, contract, deposit, escrow, or financing terms are established only through separate written agreements following an engineering review and, where applicable, lender underwriting.

Better Tomorrow Solar makes no representations or warranties as to the accuracy, completeness, or current applicability of the information herein and accepts no liability for reliance on it.
Next step · 15-minute call

Turn this estimate into a real proposal.

We model your specific utility tariff, building load, lender options, and tax position — and confirm the safe-harbor deposit needed before July 4, 2026 to lock in the 40% ITC incentive with domestic content.

Pricing & Assumptions
Admin only — adjust the financing and incentive model.

System Sizing

Energy Savings Projection

Federal Tax Incentives

State Tax Incentives (Georgia)

Basis = Cost × (1 − ½ × ITC%)

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