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About Dividend Finance

Dividend Finance offers a better way for property owners to finance their energy efficient upgrade. Dividend is a leading provider of renewable and energy-efficient financing solutions to property owners. We give our customers the opportunity to obtain clean energy financing through a comprehensive suite of loan options.

Dividend Finance was founded with the vision of a more efficient and sustainable world through connecting property owners, customer-centric contractors, and financial investors to create partnerships which enable all members of the value chain to benefit. Our company is rooted in the core belief that positive economic and social returns are not mutually exclusive. Our founders saw firsthand how misaligned interests between stakeholders can create negative economic and social outcomes. With that in mind, and recognizing the vast opportunity represented by distributed energy, Dividend Finance was formed.

For Homeowners, we've made the process of financing your home improvement as simple as possible. As a Homeowner, you also benefit from our partnerships with leading contractors and our common-sense approach to lending directly to you.

We're not a bank, and we're not your traditional lending company. We are a customer-focused lending platform that is reinventing the way America invests in their home improvements. Our all-electronic application streamlines the loan process, enabling us to keep transaction costs low and offer you lower interest rates, more savings and a quicker path to energy independence.

Dividend is a licensed lender, to learn more click here.

Quality and customer experience are of utmost importance to us. We partner with the highest-quality installation companies in the country; all of our partners share our commitment to quality and have track records of success. For more information on our partners, please contact us at (844) 805 – 7900.

Financing

Our loans are $0-down, with no up-front payment whatsoever. Through Dividend Finance, you can go solar or finance your home improvement with no out-of-pocket cost. You always have the choice to put down money if you choose to do so.

No, there are no prepayment penalties. Prepayments will not change the interest rate or monthly minimum payment required but paying early will reduce the effective term of your loan and save you money by reducing the amount of interest you will pay in the future. If you choose to use your monthly savings to help pay off your loan, you can save even more money over the long run.

There is never a lien on your home unless you choose a PACE product.

At Dividend Finance, we've changed the experience of getting a loan. Instead of a time-consuming, paperwork-heavy process with inflexible rules, our loan application process has been described as "simple," "hassle-free" and "the way it should be." If you're a qualified Homeowner, getting a loan has never been easier.

If you are already working with a Dividend partner you can qualify with them in minutes. If you’re looking to be introduced to a Dividend partner, please fill out this form.

Solar Financing

The cost of a solar power system will vary depending on its size, location, your roof layout and other factors, but rooftop solar systems typically cost between $15,000 and $50,000, with the average being about $28,000.

Once the equipment components arrive at your home, a typical solar panel installation takes about 1-3 days to install. The length of time depends on the details of your roof and the number of panels that will be installed. Once the system is installed on your roof, it takes additional time to receive "Permission to Operate" from your utility company. Your Installer will provide you with the estimated installation time for your specific system.

It's easy to switch to solar! A Dividend preferred partner will get your solar system up and running as quickly as possible so that you can start using clean energy and reducing your utility bill. Inside your home, you won't experience any changes – there's no need to change appliances or make any other alterations.

Our mission at Dividend Finance is to make it as easy as possible for you to finance your solar.

The biggest difference is that both solar leases and power purchase agreements (PPAs) entail a third party owning the solar system on your house, while a solar loan through Dividend Finance means that YOU own your system. Whether you go solar with a loan, a lease or a PPA, you will likely reduce your monthly utility bills. However, the financial benefits of owning your system – either through a Dividend Finance EmpowerLoan or a cash purchase – highlight the clear advantages of ownership:

  • You own the system on your roof instead of renting it from a solar company
  • Dividend’s solar specific loans are similar to a lease or PPA in that you have no upfront costs, but also provides significant additional benefits for Homeowners
  • After your system is installed, you may be eligible for a federal tax credit of up to 30% of the cost of your system
  • Many states also provide tax credits to encourage homeowners to buy their systems*
  • With a loan, these tax incentives belong to the Homeowners who purchase their system, but in a lease, the leasing companies pocket the sizable tax credits because they own the systems

*Dividend Finance does not provide tax or legal advice. Please consult your tax advisor for more information.

At a high level, energy from the sun is collected by the solar panels on your roof and converted into electricity. This electricity from the panels, which are made up of photovoltaic cells, is in "direct current" (DC) form, which needs to be converted into "alternating current" (AC) electricity that you currently use in your home. This AC/DC conversion is made by a component called an inverter, which is included with your system. The inverter then channels the usable electricity into your existing power meter, and it can then be used to power your home. When your system generates energy in excess of your home's needs, that extra power is sent back into the grid (a process called "net metering") which in turn lowers the cost of your utility bill. Clean energy + savings!

Since the amount of power your solar system generates is a direct result of sunlight, it will produce slightly less energy when the weather is cloudy and will not produce any energy at night. Your home will continue to be connected to your local utility grid, so that you can automatically begin to draw power from the grid whenever you need it. You won't experience any power interruptions; the switch between solar system power and the utility grid happens seamlessly, with nothing to do on your end.

At times, your solar energy system will produce more electricity than you can use, and the surplus electricity is returned to the utility grid to be used by other consumers. The amount of electricity your home pulls from the utility grid is tracked by your electric meter which spins forward for each kilowatt hour used. When your solar energy system returns electricity to the utility grid, your electric meter will actually spin backward. This process is called "net metering," and it effectively counts and bills you for the net amount of electricity that you have pulled from the grid.

Most states and utilities offer net metering.

We hope so, and over 10% of homes in the U. S. are eligible for solar. To find out more ask your installer or fill out this form to speak with a preferred partner.

Most solar systems can be productive for 25-30 years or more, and their primary operating components come with long-term manufacturer's warranties.

Home Improvement Financing

Building

  • Doors, storm doors, storm shutters, windows and storm windows
  • Screening, window films and shading devices
  • Roofing
  • Siding; Insulation, weather stripping and caulking; texture coatings and other special purpose exterior paints
  • Carpet, flooring, tile
  • Disaster prevention improvements (including qualified inspections and retrofit recommendations related to such improvements)
  • Sunrooms that comply with the requirements of the International Energy Conservation Code (IEC) (other than those classified as "exempt building" as defined in Chapter 1, Page 1 of the IECC)
  • Fireplace modifications

HVAC

  • Repair or replacement of heating, cooling, and ventilating systems and other work and equipment related to the system installation (e.g., removal of existing system, oil tanks and related asbestos, installation of gas service, filtering devices, control equipment, ductwork repair or replacement and duct insulation)
  • Programmable thermostats
  • Wood-heating appliances
  • Evaporative coolers
  • Exhaust fan
  • Dehumidifier

Electric

  • Repair or replacement of major energy-consuming appliances (e.g., ovens, dryers, ranges, refrigerators, freezers, dishwashers, trash compactors, garbage disposals, gas grills)
  • Lighting and fans
  • Power generators (other than rooftop solar PV systems)

Water

  • Repair or replacement of water heaters; insulation of water heater tank
  • Solar thermal water heaters, including solar pool heaters
  • Plumbing
  • Water Conserving Shower Head
  • Low water usage Toilet
  • Faucet aerators and other water conserving appliances and home improvements
  • Piping Insulation
  • Water conserving residential irrigation systems (including "gray water" systems)

Innovative Technologies

  • Geothermal ground coupled heat pump
  • EV charging infrastructure
  • Fuel cells
  • Batteries and storage devices
  • Qualified Energy Star products (e.g., Geothermal HVAC)