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Solar Financing

Going Solar in Florida — Your Options, Explained Simply

There's more than one way to go solar — and the right path depends on your situation. Most Florida homeowners choose our Solar Subscription because it requires nothing upfront and starts saving money immediately. Here's how every option works, in plain language.

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Your Three Paths

Three Ways to Go Solar. One Right Answer for Your Home.

Not every homeowner is in the same situation. Flo Energy offers three paths to solar — and our consultants help you figure out which one fits your roof, your finances, and your goals.

Solar Subscription

Pay for power. Not for panels.

Flo Energy installs a TPO (Third-Party-Owned) system on your roof at no cost to you. The panels are owned by a third-party financier — not you. You simply pay for the electricity they produce, at a rate locked well below what your utility company charges. That's the whole model.

$0 to start

You don't purchase anything. There's no equipment cost, no down payment, and nothing to finance.

You stay a power customer

Instead of buying electricity from TECO, FPL, or Duke Energy at their rate, you buy it from your own roof at Flo Energy's lower rate. One bill. Lower number.

Owned and maintained — not by you.

The system is owned by a third-party financier (TPO) for the life of the agreement. If anything needs repair or replacement, it's handled for you — not by you. You just pay for power.

✓$0 down
✓Locked-in rate per kWh — typically ~33% lower than your utility
✓25-year production guarantee
✓All maintenance, monitoring, and repairs included
✓System transfers to new owners if you sell your home
✓No ownership responsibility

See If I Qualify →

Cash Purchase

Own it outright from day one.

You purchase the solar system in full. Flo Energy installs it, and the system is yours — along with all the energy it produces for the next 25+ years.

✓Highest long-term savings — no ongoing rate payment
✓You own the system and all equity it adds to your home
✓Responsible for maintenance (covered under manufacturer warranty)
✓Florida Sales Tax Exemption applies — saves ~$1,500–$2,000 at purchase
✓Florida Property Tax Exemption applies — your home value goes up, your taxes don't

Best for homeowners who want full ownership and maximum long-term return.

Solar Loan

Own it. Finance it over time.

You finance the system through a solar loan. You own the panels, build equity, and once the loan is paid off, your electricity is essentially free for the remaining life of the system.

✓Own the system — builds home equity
✓Monthly loan payment replaces your utility bill
✓Florida Sales Tax Exemption applies
✓Florida Property Tax Exemption applies
✓Credit approval required
✓Responsible for maintenance after manufacturer warranty period

Best for homeowners who want ownership but prefer to spread payments over time.

How It Works

The Solar Subscription — How It Actually Works

Most homeowners have questions about the subscription model before they fully understand it. Here's the clearest way we know to explain it.

You're still just a power customer.

Right now, you buy electricity from your utility company at their rate — typically around $0.18 per kWh after all fees and taxes. With a Flo Energy Solar Subscription, we install panels on your roof, and instead of buying power from the utility at $0.18, you buy it from those panels at around $0.12.

Same lights. Same AC. Same outlets. Same number of kilowatt-hours. Just a lower rate per one.

The panels are owned by a third-party financier — not you. You're not buying equipment — you're buying cheaper electricity. There is no second bill layered on top of your utility bill. The solar payment replaces what you were paying the utility for that portion of your usage. Your only remaining utility charge is the base connection fee — typically $25/month — which exists regardless of how much power you use.

What happens if I sell my home?

The agreement transfers to the new homeowner as part of the sale. Most buyers see it as a positive — they're inheriting a lower electricity rate on day one.

What about repairs?

Because the system is third-party owned, you're not responsible for it. If a panel underperforms or equipment needs replacement, it's covered at no cost to you for the life of the agreement — Flo Energy coordinates the service so you don't have to.

Your Florida Home

What would you save with Flo Energy?

Set your average monthly electric bill and see your numbers instantly.

My average monthly electric bill$180

$50/mo$500/mo

Estimated usage: ~861 kWh/month

Without Solar

861 kWh × $0.18$155

Connection fee$25

Monthly total$180

With Flo Energy

861 kWh × $0.12$103

Connection fee$25

Monthly total$128

$52/mo

monthly savings

$624/yr

annual savings

Same electricity · 29% lower rate · no panels to own or maintain

Estimates based on ~$0.18/kWh average Florida utility rate and ~$0.12/kWh Flo Energy subscription rate. Actual rates vary by utility, usage, and system size. Your consultant will provide exact numbers for your home.

State Incentives

Florida Solar Incentives That Still Apply

Even though the federal residential tax credit ended in 2025, Florida still offers two significant incentives that reduce the financial impact of going solar — especially for cash purchasers and loan customers.

Sales Tax Exemption

Florida exempts solar energy systems from the state's 6% sales tax. On a typical residential installation, that's a savings of $1,500–$2,000 at the time of purchase — applied automatically, no paperwork required.

Applies to: Cash Purchase and Loan customers

Property Tax Exemption

Solar panels increase your home's market value — but Florida law ensures that added value is completely exempt from property tax assessment. Your home is worth more. Your tax bill doesn't change.

Applies to: All customers including Solar Subscription

Note: The federal residential solar Investment Tax Credit (ITC) ended for residential customers in 2025 and is not available for homeowners. Commercial solar installations may still qualify — contact us for commercial project details.

FAQ

Common Questions About Going Solar in Florida

What's the difference between the Solar Subscription and a loan?

With a Solar Subscription, you never own the panels — they're owned by a third-party financier (this arrangement is called TPO, or Third-Party Ownership, and it's the most common way Florida homeowners go solar). You simply pay for the electricity those panels produce at a lower rate than your utility. There's no financing on your side, no credit requirement beyond basic qualification, and no ownership responsibility. With a loan, you own the panels outright but make monthly payments until the loan is paid off. The right choice depends on whether ownership is important to you and how your credit profile looks.

Is there really no second bill with the Solar Subscription?

Correct. There is no “solar payment” stacked on top of your existing electric bill. The subscription replaces what you were paying the utility for the power those panels produce. The only utility charge that remains is your base connection fee — typically around $25/month — which exists regardless of solar.

What happens to my Solar Subscription if I sell my home?

The agreement transfers to the new buyer as part of the home sale. Many buyers see this as a benefit — they're inheriting a locked-in rate lower than the utility. Our team can walk you through the transfer process when the time comes.

Do I need good credit for the Solar Subscription?

The Solar Subscription requires a basic credit qualification — generally lower than what a traditional loan would require. Our consultants will review your situation during the free consultation and let you know exactly where you stand before you make any decision.

Can I still go solar if I want to own the system?

Absolutely. Cash purchase and solar loan options are available for homeowners who prefer ownership. Your consultant will walk you through all three paths and help you compare the long-term financial outcomes side by side.

Does the Solar Subscription work if I sell my home?

Yes — the agreement transfers to the new homeowner. Most real estate agents familiar with solar agreements position this as a selling point, not a complication. Buyers inherit a lower electricity rate from day one.

Not Sure Which Option Is Right for You?

That's what the free consultation is for. Our energy consultants walk you through every option side by side — the savings, the commitments, and the long-term picture — with no pressure and no obligation to move forward.

Get My Free Solar Consultation →

(727) 977-9760

No pressure. No commitment. Just a clear picture of your options.

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