Prepaid TPO + Loan – July 2026

What's Changed?

Why Did We Make This Change?

How It Works

What Action Do Installers Need to Take?

Where Will You See This Change?

When Will This Change Be Live?

FAQs / Edge Cases

How to Learn More

If you offer a Prepaid TPO (lease or PPA) where the shopper finances the prepaid amount through a loan instead of paying it upfront, you can now enter and display those loan details on your EnergySage quotes. Specifically:

• Prepaid TPO card, updated: Quote Details now shows a secondary loan section below the primary paid-in-full price on the existing Prepaid TPO card — it isn't a new, separate payment type.
• New loan fields: Estimated monthly payment, loan term, interest rate (APR), loan amount, down payment, and lender name.
• Restructured details card: The Prepaid TPO details card now includes an agreement details section with production guarantee and ownership transfer timing (this applies to all Prepaid TPO quotes, whether or not a loan is included).
• Updated card copy: The description at the top of the Prepaid TPO card now reflects that financing is available, so shoppers understand what they're looking at before they get to the numbers.
• Quote Compare View: New rows in the summary and financial sections highlight the monthly payment amount.
• Quote List View: Quotes with a loan-on-prepaid-TPO offer get a light visual highlight so shoppers can spot them at a glance.

 Why Did We Make This Change?

More installers are offering a financing structure EnergySage hasn't supported until now: a prepaid TPO where the shopper finances the prepaid amount through a loan rather than paying it upfront.

With the federal tax credit gone, affordability is a bigger obstacle for shoppers than it used to be. Loan-on-prepaid-TPO gives shoppers a real path to solar without a large upfront cash requirement or a long-term lease commitment. 

How It Works

• Loan details only display when they're entered: if you don't add loan information to a Prepaid TPO offer, your quotes look exactly as they do today. This update doesn't break or change any existing prepaid TPO quotes.
• Loan details live inside the existing Prepaid TPO card: the upfront, paid-in-full price stays the primary price; the loan option displays as a secondary section below it.

The fields available for a Prepaid TPO + loan offer are:

• Estimated monthly payment
• Loan term
• Interest rate (APR)
• Loan amount
• Down payment
• Lender name (e.g., a credit union or financing partner)

 What Action Do Installers Need to Take?

To show a loan option on your Prepaid TPO quotes, enter your loan details anywhere you configure Prepaid TPO pricing:

• Prepaid TPO package settings
• When creating a quote template
• When editing a quote template

In each of these places, toggle "Loan included?" and fill in the Loan Provider, Term duration, Interest rate, and (optionally) a Loan fee. Use the Additional Notes field to help shoppers understand how the prepaid lease/PPA works, who owns the system,  and what makes prepaid TPO different from a purchase or a standard loan.

Navitgate to Settings > Your Packages > Prepaid TPO > Check "Loan Included" checkbox then enter loan details.

When adding to new or exsisting quotes, you can select your Prepaid TPO package, or enter loan details manually.

 When Will This Change Be Live?

July 9th, 2026

FAQs / Edge Cases

Is loan-on-prepaid-TPO a new payment type?

No. It isn't a separate payment type — it displays as an added detail within your existing Prepaid TPO offering.

What happens to my current Prepaid TPO quotes?

Nothing changes. Loan fields only appear once you've entered them; quotes without loan details look the same as before this update.

Do I need to do anything if I don't offer a loan on prepaid TPO?

No action needed — your quotes will continue to display exactly as they do today.

Can I show more than one financing offering per quote?

This update only adds a loan option to your existing Prepaid TPO offer. As with other quote types, the marketplace still supports one standardized quote per installer so shoppers can compare quotes side by side.

How to Learn More

If you have questions about entering loan details for your Prepaid TPO offerings, reach out to your Partner Success Manager or installersuccess@energysage.com