Last Updated: 13 May 2026

Commercial Solar & Battery Finance Australia

Install commercial solar and battery systems without large upfront costs by spreading payments over time. Own the system from day one while it reduces your energy bills.

Finance solar panels and battery storage under one loan*
Get terms up to 7 years
Loan amounts up to $500,000
Low documentation options available for faster approval

Get Commercial Solar & Battery Loans with Dark Horse Financial

Contact Our Team

Fill out our online form to apply for a solar and battery loan. We’ll get in touch with you fast to understand your situation and make a recommendation.

Submit Application

We’ll expertly handle your application from start to finish. Some lenders can approve solar and battery loan within 24 hours.

Get Funded

Once approved, documentation is signed electronically, making settlement fast. The lender pays the supplier directly, and your system installation can proceed.

Rated by Our Clients on Google

      EXCELLENT  
   Based on 24 reviews 
    
 
 
 
   
 
 
       Posted on Google  
   
   Jordan Bella 
 
 
 
 Trustindex verifies that the original source of the review is Google. Jeff worked tirelessly to get an equipment finance and overdraft facility in place for our growing business under some very unique & challenging circumstances after we'd previously been pushed away by our banking partner. Working with the DHF team was seamless!
  
 
      Posted on Google  
   
   Finnen Electrical 
 
 
 
 Trustindex verifies that the original source of the review is Google. The team at Dark Horse Financial were fantastic to deal with when helping me organise finance for my business. Jeff was an absolute dream to work with, no problem or issue was ever too big, and he made everything happen quickly and smoothly.
What I thought might take weeks was sorted in a matter of days, and the finance itself was approved within a day.
I’ve used plenty of finance companies and lenders before over the years, but the service from Dark Horse Financial is second to none. I’ll definitely be sticking with them from now on. Highly recommend Jeff and the team.
  
 
      Posted on Google  
   
   Ainsley Bennett 
 
 
 
 Trustindex verifies that the original source of the review is Google. Jeff and his team have been a fantastic help to us. His prompt service and wide array of knowledge in the financial sector has made our dealings very easy.
Thanks Jeff!
  
 
      Posted on Google  
   
   Rhys Gorman 
 
 
 
 Trustindex verifies that the original source of the review is Google. Highly recommend working with Jeff for any financial needs for your business - I wish I had have engaged him years ago. He takes a huge amount of the stress away from dealing with banks and lenders and simplifies what can be a very convoluted process. His proactive, professional, and caring approach has served me and my business extremely well and there is no one else I would turn to for our lending needs in the future other than Jeff.
  
 
      Posted on Google  
   
   Michael Starke 
 
 
 
 Trustindex verifies that the original source of the review is Google. Jeff was exceptional in his communication and guidance throughout the entire process. He secured a credit facility for our startup when others couldn’t, demonstrating his expertise and dedication. We’re excited to continue working with Jeff as our business grows and our needs evolve.
  
 
      Posted on Google  
   
   Michelle Reeves 
 
 
 
 Trustindex verifies that the original source of the review is Google. Jeff made the impossible possible!
Highly recommend Darkhorse for your finance needs. Wonderful service.
  
 
      Posted on Google  
   
   Scott Doran 
 
 
 
 Trustindex verifies that the original source of the review is Google. I had the pleasure of working with Jeff, and I couldn't be more impressed. As a finance broker, he was extremely helpful throughout the entire process. His communication was clear, timely, and thorough, making everything so much easier to understand. He took the time to explain all my options, ensuring I was well-informed every step of the way. I felt confident and supported in his hands. I will definitely be using Jeff again in the future and highly recommend his services to anyone looking for expert financial advice!
  
 
      Posted on Google  
   
   Henry Friend 
 
 
 
 Trustindex verifies that the original source of the review is Google. Jeff is our one stop shop for all lending/debt services. I would highly recommend Dark Horse!
  
 
      Posted on Google  
   
   Roger Muliaina 
 
 
 
 Trustindex verifies that the original source of the review is Google. Very happy with the result achieved. Jeff was supportive optimistic and very clear on the approach which I appreciated. True processional, punctual in his correspondence and genuinely cared about our situation. Cannot recommend him enough.
  
 
      Posted on Google  
   
   Gareth Turner 
 
 
 
 Trustindex verifies that the original source of the review is Google. Jeff was professional helpful and efficient. I called him and had an overdraft facility sorted within 24 hours.

What is Commercial Solar and Battery Financing?

Solar financing allows your business to install solar panels and battery systems without paying the full cost upfront. Instead of using your own capital, a lender funds the solar panel system and you repay it over time.

Most commercial solar finance is structured similarly to equipment finance, typically a chattel mortgage. You own the system from settlement.

This means you can start reducing your energy costs immediately while spreading the cost over a fixed term. It also keeps your working capital available for other business needs and investment opportunities.

How Commercial Solar and Battery Finance Works

Most solar panel financing for business follows equipment finance principles. You are funding a tangible asset that generates value over time.

A typical structure looks like this:

The lender pays the supplier for the solar and battery system
You take ownership of the system at settlement
You make fixed repayments over an agreed term, up to 7 years

You can finance solar panels, inverters, battery storage, and installation costs in a single facility.

Who Qualifies for Solar Finance

Approval depends on a mix of credit profile, time in business, and whether you own property.

Streamlined Approval

If you meet the following, you can get an automatic pre approval*:

Property owner
Director credit score above 550
At least 12 months trading

These profiles can access funding up to $200,000 without income verification.

Bank Statement Approval

For loans up to $300,000, lenders can assess your application using a read only view of your business bank statements.

This allows for faster approvals without needing full financials, as lenders can verify your cash flow directly.

Full Doc Approval

If you need higher funding, you can access full doc options up to $500,000. Current requirements include:

Property owner
Director credit score above 450
Full documentation required
- Either 2 years financials or 12 months bank statements
- Management accounts and ATO portals reviewed

Solar Finance Rates and Costs

Solar finance rates depend on several factors, including:

Credit score
Time in business
Whether property is involved

As a guide, commercial solar finance rates in Australia typically start at 9.99%.

Finance Solar Panels and Battery Storage Together

You do not need separate loans for solar and battery.

A single commercial solar finance facility can cover:

Solar panels
Inverters
Battery storage systems
Installation and integration costs

Bundling everything into one loan keeps repayments simple and ensures the full system is designed and funded as one solution.

Cash Flow Benefits of Solar System Financing

The main reason businesses use solar loans is cash flow.

Instead of paying a large upfront amount, you spread the cost over time while benefiting from lower power bills immediately.

In many cases:

Monthly repayments are partially offset by energy savings
Battery systems reduce peak demand charges
Predictable repayments make budgeting easier

This is why solar finance for small business Australia is growing quickly. It converts a capital expense into a managed operational cost.

Why Work With Dark Horse Financial

We deal with lenders that understand commercial solar projects and how they impact your business. We focus on securing the right outcome for your business:

Competitive solar finance rates
Access to low doc, bank statement, and full doc options
Clear guidance on what you qualify for before applying
Support to get approvals within your required timeline

You also get direct, practical advice throughout the process. We assess your position, explain your options clearly, and help you move forward with a finance solution that fits your business.

Get Started

Equip your business with sustainable energy without tying up your cash.

Solar and battery systems reduce one of your largest operating costs. With the right finance in place, you can install the system now and let it support your cash flow over time.

We will assess your position, match you with the right lenders, and structure a solar finance solution that fits your business.

Frequently Asked Questions

Can I finance commercial solar panels and battery storage on the same loan?

Yes, lenders will fund the full system under one facility, including panels, inverters, batteries, and installation. This helps you avoid taking on multiple loans and makes simplifies repayments.

What types of loans are available for business solar in Australia?

The most common structure is like a chattel mortgage. You repay the loan in fixed monthly instalments with a maximum loan term of 7 years (shorter loan terms are available).

How much can my business borrow for solar and battery?

Funding can range from under $100,000 up to $500,000. No income verification applications are available to applicants who are property owners with a maximum loan amount of up to $200,000. Loans up to $300,000 can be approved without financials by a read only view of your business bank account statements. For loans up to $500,000, full documentation is usually required.

What deposit or upfront cost is required?

Most solar loans can be done with no deposit, meaning there can be no upfront cost as the lender is prepared to pay the full value of the solar system under the terms of the loan agreement.

Are repayments tax deductible and what about the instant asset write off?

Interest on the loan is typically tax deductible, and the system may qualify for depreciation or instant asset write off, as solar panels are classified as plant and equipment for businesses. You should confirm eligibility with your accountant.

What interest rates apply to commercial solar finance?

Interest rates for commercial solar finance start at 9.99%. Rates vary based on credit, cash flow, loan size, time in business, and other factors. Strong profiles can access lower rates, while higher risk applications may sit at the upper end of the range.

Can a startup or business under 2 years old get solar finance?

Yes, solar panel finance is available to newer businesses. However, lenders may have additional requirements, such as a deposit and a cash flow forecast and property security.

What is the payback period for a commercial solar and battery system?

Payback periods vary depending on system size, usage, and energy costs. Many businesses see payback within 3 to 7 years, which aligns with typical loan terms.

How fast can I get approval and settle?

Approvals can happen within 24 to 48 hours with little to no documentation needed. Once approved, settlement normally occurs once installation is complete and your installer has supplied any necessary paperwork related to the system.