Business Details
28 Years
experience
Trusted Solar Loan Solutions for Residential and Commercial Clients
Established in 1998, Solar & Energy Finance is a family-owned Australian business specialising in tailored solar financing solutions. Our independence from banks, solar companies, and installers ensures unbiased advice focused solely on client needs. With over 30 years of finance expertise, including Todd O'Brien's ASIC-licensed leadership, we deliver fast, transparent service for residential and commercial clients. Our streamlined 24-hour application process and direct team access eliminate call centres, prioritising personal service. We specialise in no-deposit solar loans for PV systems, batteries, LED lighting, and energy-saving equipment, serving diverse clients from homeowners to not-for-profits. Our low-doc commercial options remove property security requirements, while residential green loans offer rates as low as 9.49%.By avoiding interest-free loan gimmicks and hidden fees, we empower informed decisions. Our 25-year industry experience and ethical approach have built trusted partnerships with installers nationwide, supporting Australia's transition to renewable energy through accessible financing.
Services
Solar Panel Financing
Battery Storage Loans
Commercial Solar Finance
LED Lighting Loans
Residential Green Loans
Energy Efficiency Funding
Solar Pump Financing
Solar Hot Water Loans
No Deposit Options
Low Documentation Loans
Details
- Year established: 1998
Highlights and features
- 30 years of combined finance expertise with ASIC-licensed professionals
- No affiliations with solar companies ensures unbiased, client-first advice
- 24-hour loan processing with no property security requirements
- Transparent pricing with no hidden fees or interest-free loan gimmicks
- Direct access to experienced team members without call centre intermediaries
Associations and certifications
- Australian Securities and Investments Commission (ASIC)
Services
Commercial Solar Finance
Tailored financing for businesses seeking solar installations with no deposit requirements. Our low-documentation options eliminate property security while enabling fast approvals. Clients benefit from tax deductions on interest payments and depreciation of equipment, with loan terms 1-7 years.
Residential Green Loans
Award-winning personal loans for homeowners featuring Australia's lowest rates from 9.49%. Finance solar panels, batteries, and energy-efficient systems up to $50,000 with no early repayment fees. Online applications processed instantly with conditional approval within 24 hours.
Battery Storage Financing
Specialised funding for residential and commercial battery installations. Available as standalone solutions or paired with solar systems, with flexible terms up to 10 years. Enhances energy independence while maintaining eligibility for government tax write-off schemes.
LED Lighting Loans
Cost-effective financing for business LED lighting upgrades that reduce energy consumption by up to 80%. No deposit required with loan amounts from $5,000, featuring fast approvals and security only over installed equipment.
Solar Pump Financing
Dedicated funding for rural solar pump systems supporting irrigation and water management. Tailored solutions for farmers with ABNs operating from home properties, including flexible terms and no property security requirements.
People
Todd O'Brien
Finance Director & Founder
With over 30 years in finance and an ASIC-licensed credit provider (ACL 392748), Todd established Solar & Energy Finance in 1998. He leads a team delivering ethical solar financing solutions nationwide.
Questions
What solar equipment can I finance through Solar Energy Finance?
We finance complete solar systems including panels, batteries, off-grid solutions, LED lighting, air conditioning, pumps, irrigation systems, and energy-efficient electrical upgrades for residential and commercial clients.
Are there any upfront fees for residential solar loans?
No early repayment fees apply to our residential green loans. We don't charge merchant fees or hidden costs, ensuring transparent pricing aligned with our ethical business practices.
How quickly can commercial solar loans be approved?
Our streamlined process typically approves commercial applications within 24 hours using low-documentation requirements. No business financials or bank statements needed for approved applicants.
Can homeowners with existing solar systems apply?
While we primarily finance new installations, we may consider retrofitting batteries or upgrades to existing systems. Contact our team for specific eligibility criteria and options.
What tax benefits apply to commercial solar financing?
Business clients may claim depreciation on equipment and 100% GST credits in their next BAS. Interest payments are tax-deductible with loans structured as chattel mortgages or rental security.
