RE Financing, Follow-up Request [RE-wrenches]

[Allan Sindelar]

Fellow RE folks,
Several months ago I posted to the Wrenches list looking for resources to
investigate regarding RE financing. This was for a proposed Home Power
article on this subject. The essence of the original request is:


"For as long as we-end users, installing dealers, and Home Power-have been
working to encourage the use of renewable energy, obtaining financing has
remained a barrier in many instances. Mortgages for off-grid homes have been
notoriously difficult to obtain, and financing options for system upgrades
have been unavailable to all but the people who don't need financing. Now we
also have need for financing for grid-tied systems on existing homes.

I have talked with a private mortgage broker about collaborating on a
proposed Home Power article about financing of home-scale renewable energy.
I envision an article that is an overview of the various ways to find the
money for RE projects. The broker would focus on how the lending process
works, how off-grid and other types of atypical properties are handled, how
to find and work with a lender, etc.

I have also been aware of two options for financing PV systems themselves,
as distinct from mortgage financing. This would serve, for example,
homeowners who want to install a grid-tied PV system on their home.

I am looking for information about financing options and resources of all
kinds that you may know about, anecdotes, success and horror stories, and
anything related that would help the article to be as comprehensive as
possible. In particular, I could use more grid-tied resources, as we're not
in a state with incentives."


The article has been completed and submitted, and HP likes it. I remain
dissatisfied with the part on financing RE systems, separate from a
mortgage. All of the resources that Wrenches suggested were either 1) local,
2) commercial only, 3) lessors, or 4) mortgage-related. I would like to be
able to describe other sources beside the Permaculture Credit Union that
want to finance RE and other sustainable projects, and that will serve end
users all over the US.

Maybe the PCU is alone in this mission. But this is a second request for
other financing resources to include in the HP article.

Thank you for any good suggestions.

Allan at Positive Energy

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