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Financing Growth for your Solar Enterprise
In line with our triple bottom line (3BL) strategy and our commitment to environmental sustainability, FSSI is opening new loan windows for near-small to small solar energy enterprises (SSEEs). Our financing products are coupled with training and capacity building opportunities for enterprise.
Solar Installer Term Loan (SITL)
The Solar Installer Term Loan (SITL) is a solar-specific facility designed around the unique cash flow and payment delays faced by installers. It offers a light-documentation, low-barrier application process, making financing accessible even to small players with limited collateral. The loan is scalable, with flexible size, repayment terms, and support that can grow alongside your business. Aligned with FSSI’s mission, SITL promotes inclusive renewable energy access while supporting enterprise development.
| Features | Description |
| Purpose | To provide working capital and capital expenditure financing for solar installers to deliver rooftop and small-scale PV systems to households, MSMEs, and institutions including re-financing of existing projects |
| Target partners | Solar EPCs, licensed solar installers, or small solar enterprises actively deploying PV systems |
| Amount | Up to Php 1 million for early-stage solar energy enterprises (less than 2 years operation) Up to Php 3 million for emerging solar energy enterprises (2 years but less than 3 years in operation) Up to Php 10 million for mature solar energy enterprises (3 years and more in operation) |
| Type of financing | Loan, seed capital |
| Maturity | Up to five (5) years, depending on business projection and cash flow |
| Repayment term | Monthly, quarterly, semi-annual and annual payments |
| Interest rate | 7% – 12% per annum depending on risk rating and availability of collateral |
| Collateral Options | Time deposits, government securities, guarantees Real estate, vehicles, equipment Receivables, inventory, corporate stocks & bondsJoint and Several Suretyship (JSS) |
| Disbursement | Tranche-based (mobilization, procurement, mid-installation, completion), for multiple projects and/or OPEX (by project contract, by percent) |
| Eligibility | Registered solar energy enterprises; 1-year verifiable AFS, 2-year comparative AFS, with 3 years verifiable solar activities (or individuals or team members have at least 3 years of verifiable solar experience) |
Solar Installer Revolving Credit Line (SIRCL)
The Solar Installer Revolving Credit Line (SIRCL) provides flexible financing that matches the natural ebb and flow of solar installation work. It offers a low-cost option for high-velocity users, with interest charged only on the amount drawn. The facility is project-tied and scalable to grow with the installer’s business capacity while supporting returning installers. Aligned with FSSI’s mission, SIRCL helps ensure the long-term sustainability of solar social enterprises.
| Features | Description |
| Purpose | To finance recurring project deployment costs for solar installers with multiple simultaneous or rolling contracts |
| Target partners | Solar EPCs or installers with signed project/s or repeat contracts per year |
| Amount | Up to Php 1 million for early-stage solar energy enterprises (less than 2 years operation) Up to Php 3 million for emerging solar energy enterprises (2 years but less than 3 years in operation) Up to Php 10 million for mature solar energy enterprises (3 years and more in operation) |
| Type of financing | Loan, seed capital |
| Maturity | Up to five (5) years, depending on business projection and cash flow |
| Repayment term | Milestones, scheduled, or tied to client collection |
| Interest rate | 7% – 12% per annum, depending on risk rating and availability of collateral |
| Collateral Options | Time deposits, government securities, guarantees Real estate, vehicles, equipment Receivables, inventory, corporate stocks & bondsJoint and Several Suretyship (JSS) |
| Disbursement | First drawdown – valid project contract or purchase order Second drawdown – progress report, site visit (as needed), liquidation of previous |
| Eligibility | Registered solar energy enterprises; 1-year verifiable AFS, 2-year comparative AFS, with 3 years verifiable solar activities (or individuals or team members have at least 3 years of verifiable solar experience) Must have at least 1 signed contract, MOA, or confirmed pipeline |
SIPBL (Solar Installer Performance-Based Loan)
The SIPBL (Solar Installer Performance-Based Loan) offers revenue-aligned financing where payments follow actual energy generation and off-taker income. This impact-focused facility enables long-term access to clean energy for underserved groups and can complement other products, allowing solar social enterprises to combine it with term loans or revolving credit for different stages of business growth.
| Features | Description |
| Purpose | To finance solar PV systems deployed under lease or PPA models to end-clients. |
| Target partners | SSEEs (EPCs or developers) with active/contracted PPA or lease projects |
| Amount | Up to Php 3 million for emerging solar energy enterprises (2 years but less than 3 years in operation) Up to Php 10 million for mature solar energy enterprises (3 years and more in operation) |
| Type of financing | Loan |
| Maturity | Aligned with contract, up to five (5) years |
| Repayment term | Monthly/quarterly/semi-annual aligned with cash flow |
| Interest rate | 8.5% – 12%, depending on risk rating and availability of other collateral |
| Collateral Options | Time deposits, government securities, guarantees Real estate, vehicles, equipment Receivables, inventory, corporate stocks & bondsJoint and Several Suretyship (JSS) |
| Disbursement | Tranche-based (mobilization, procurement, mid-installation, completion) |
| Eligibility | Registered solar energy enterprises; 1-year verifiable AFS, 2-year comparative AFS, with 3 years verifiable solar activities (or individuals or team members have at least 3 years of verifiable solar experience Business performance for year 1 operation Must have at least 1 one signed PPA/lease agreement, MOA, or confirmed pipeline |
To apply or inquire about FSSI Solar Loans, you may contact Daniel Racoma, FSSI Project Officer for Solar Financing Project, at daniel.racoma@fssi.com.ph or 0906 292 7769.
Alternatively, you may join our info sessions to know more about FSSI’s financial investments and how we can support your enterprise. Sign up through https://fssi.com.ph/sign-up/ and our team will reach out to you.
FSSI also offers loans for NGOs, Cooperatives, Social Enterprises to supports both pilot and institutional-scale renewable energy rollouts and support the delivery of energy access and cost savings to grassroots communities. Learn more at https://fssi.com.ph/financing-solar-solutions-for-organizations-and-communities-through-fssis-solar-loans/
