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Not sure how to pay for solar?

There is more than one way to pay for solar. There is also a lot of work between "yes" and switch-on. We help with both. You see who owns the system, who can claim the tax allowance, and what we handle for you, before you choose.

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Confused about how to pay for solar? You are not alone.

Does this sound familiar?

  • Eskom's tariffs have risen by an average of about 11% a year over the last ten years.
  • Buying a system outright can tie up millions in cash, money your business may need for stock, staff or growth.
  • Nobody has told you who owns the system under a lease, a PPA or a rent to own deal.
  • Most finance pages push one product, or skip the tax question.
  • You are not sure who does the paperwork, or what it costs.

We believe you should see who owns the system, who claims the tax allowance and what it costs, before you choose. Here is the full picture.

We help South African homes and businesses choose the right way to pay for solar

Most people are shown one product, and nobody explains who owns the system or who claims the tax allowance.

ZenSolar designs every system. We also work with major funders, so you can pay in one of four ways: cash, rent to own, a lease, or a Power Purchase Agreement (PPA) if you are a business. No route is best for everyone. The right one depends on your cash flow, your tax position, and how long you plan to stay in the property.

Every finance talk starts with the same free energy assessment. We review your bill and your usage, including demand charges. For bigger sites, we can log your usage on site first. You get a report. It shows your recommended system size, the equipment list, and how long the system is likely to take to pay for itself.

Then we handle the project work that gets you to switch-on. That is the "project enablement" part of this page.

We have done this before. EFJS Printing paid back its investment in 2.5 years.

And we can do the same for you.

A homeowner and an adviser talk over a tablet at a kitchen table, with solar panels on a roof outside the window.

The four ways to pay, in short

RouteHow it worksWhat it means for you
CashYou own the system from day one, and you can normally claim Section 12B if your business owns and uses it.The most money upfront, and no term to run.
Rent to ownYou pay the system off in instalments. The term runs from 3 years up to 15 years, depending on the deal size and your company's history.The funder owns it until the last payment, then it is yours.
LeaseYou pay for the use of the system, and the funder owns it.Owning it, or buying it out, is possible with some funders, not with others.
PPA, for businesses onlyThe funder owns and runs the system. You pay for the solar power you use, per kWh, at a price that is agreed up front and goes up each year.No upfront cost for the system. A PPA usually runs 10 years or more, and can be shorter.

Want all four side by side in one table, with bill bands and a list of questions to ask? See finance options. Section 12B is a tax matter, not something ZenSolar can decide for you, so ask your tax adviser before you choose. Want a rough number first? Try the finance calculator.

Whichever way you pay, maintenance depends on the options you choose.

Finance available through South Africa’s leading banks

Merchant West logo featuring a circular icon with 'MW' and text 'MERCHANT WEST' with an underline. FNB logo featuring a black silhouette of a tree against an orange sun and teal horizon, next to 'FNB' in teal text. Absa logo with the word 'absa' in lowercase red text enclosed within a red dashed oval. Standard Bank logo, a blue and silver shield with a stylized flag or 'S' inside.

When a PPA suits your business, and when buying suits you better

A PPA usually suits you if

  • You want solar power without putting capital into equipment.
  • Your business has a steady, sizeable power bill and roof or land space for a system.
  • You can commit to a long agreement, since a PPA usually runs 10 years or more.
  • You are fine with the funder, not your business, normally claiming Section 12B.

Buying (cash or rent to own) usually suits you better if

  • You want to own the system in the end.
  • You have the cash, or you qualify for rent to own over a term that suits you.
  • You would rather pay for the system than pay for power each month for years.
  • Your business has enough taxable profit to use a Section 12B write-off. Ask your tax adviser.

Not sure which one fits? A free energy assessment gives you a real system size, an equipment list and a payback time first. Then you choose with real numbers, not a guess.

Section 12B, in plain words

Under Section 12B, the owner of a solar system, who brings it into use in their own business, can normally write off the cost. Only the owner can claim it, not a tenant or a customer who is simply using someone else's equipment. Ask your tax adviser how this applies to your contract.

For most business solar systems (there is a size limit, so ask your tax adviser), the full cost can be written off in the year the system is brought into use. The system does not have to be new. There was also an enhanced 125% allowance, Section 12BA, for new and unused systems. It ended on 28 February 2025 and was not renewed. Any system brought into use after that date uses the ordinary allowance above.

Who can claim it, route by route

  • Cash: you can normally claim it, if your business owns the system and uses it in its own trade.
  • PPA: the funder owns and runs the system and sells you the power it makes. So it is normally the funder, not your business, that can claim it.
  • Rent to own: whether you or the finance provider can claim it depends on how your agreement is structured.
  • Lease: not you, because you do not own the system. Under a plain lease, where you are the one using the system, the funder generally cannot claim it either. The old rule that let an owner claim while a tenant used the system was part of Section 12BA, which has ended.

Example only. South African company tax is currently 27%. A 100% Section 12B allowance can reduce a company's taxable income by the full cost of a qualifying system in year one. At 27% company tax, that can cut the tax bill by up to 27% of the qualifying cost. This only applies if the business owns the system, uses it in its own trade, and has enough taxable profit that year to use the deduction against. It lowers the tax you owe. It is not a cash refund.

None of this is tax advice. Every business is different, so ask your own tax adviser before you decide how to pay.

Demand charges and time of use: how solar and a battery help

Many business power bills carry two charges. One is for the energy you use, in kWh. The other is a demand charge. It is billed on the highest half hour of use in the billing period, not on your total use. So cutting that peak half hour matters as much as cutting your overall use.

Some tariffs also change by time of day. Peak hours cost the most. Standard hours cost less. Off-peak hours, mostly late at night, cost the least. Some tariffs change by season too. Common Eskom business tariffs include Megaflex, Miniflex, and Business Rate or Nightsave Business.

Solar helps in the day. A battery can charge from your panels, or at cheaper hours. It then lets you use that stored power at your priciest hours, instead of the grid. That can lower your demand charge and what you pay at peak times, without changing how your business runs. See energy management for how this works. No room for panels at all? Wheeling brings solar power from another site to you over the grid.

Project enablement: what we handle for you

Paying for the system is one part. Getting it cleared, signed off and switched on is the other. Here is what ZenSolar does, whichever way you pay.

  • A free energy assessment first. You get your report in about 1 to 2 weeks, as a PDF plus a walk-through.
  • We match you with a funder for the route you choose. The funder runs its own check before it says yes.
  • Your system is designed in house, and every job gets a structural engineer's sign-off. Our mounting protects your roof warranty.
  • CoC and SSEG application handled for you. SSEG fees and meter costs are included in our quotes.
  • Grid tied and hybrid systems must be registered with, and cleared by, your supplier, the city or Eskom, before they are switched on. We handle that for you.
  • First call to switch-on is about 1 to 3 weeks, depending on sign-offs, your paperwork, and the size of your system.
engineers on a roof looking over a solar powered logistics park

A real business result: EFJS Printing

EFJS Printing fitted a 30 kW FoxESS inverter, a 12 kWh battery, and 27 x 550 W panels (14.85 kWp). The system paid for itself in about 2.5 years.

"ZenSolar was excellent in all that they did. The installation at my Printing Shop and home was done to the highest standard." Bernard Synman, Director of EFJS Printing.

No two businesses have the same numbers. A free energy assessment is how you get yours.

Solar panels on the tiled roof of the EFJS Printing building

What you can expect from ZenSolar's finance and project enablement

Four honest ways to pay

Cash, rent to own, lease or PPA, set out plainly before you choose, which means you pick the route that fits you, not the one that is easiest to sell.

A real answer on tax

We show who can claim Section 12B on each route, which means you know your tax position before you sign. We always point you to your own tax adviser too.

Your numbers before any finance talk

Every job starts with a system size, an equipment list and a payback time, which means you choose how to pay based on your own numbers.

Paperwork handled for you

CoC and SSEG application handled for you. Fees and meter costs are already in your quote, which means no surprise compliance bill later.

Backed by a 10-year swap-out warranty

Every system we fit carries our 10-year swap-out warranty on the inverter and battery. The warranty does not depend on how you paid, which means a faulty inverter or battery is swapped out, however you paid.

Built on a real result

EFJS Printing's system paid for itself in about 2.5 years, which means you see a real job, not a projection.

From assessment to switch-on

1

Book your free energy assessment

We review your bill and your usage, including demand charges. For bigger sites, we can log your usage on site. The logger stays 1 to 2 weeks.

2

Get your report and choose how to pay

Your report shows your recommended system size, equipment list and payback time. Then you choose cash, rent to own, a lease, or a PPA if you are a business.

3

Installed, backed, and switched on

We install and maintain your solar system with swap-out warranties and smart automation. We handle your CoC and SSEG application, and you get pop-up notifications in the app once you are live. See what happens after switch-on on installation and long-term performance.

How are we different?

With us

  • Four ways to pay, laid out plainly
  • A plain answer on who can claim Section 12B, route by route
  • CoC and SSEG handled, fees and meter costs in your quote
  • One real result: EFJS Printing, not a promise

With them

  • One product pushed, whether it fits or not
  • Tax questions left for you to work out later
  • Paperwork and fees that turn up after you sign
  • Marketing numbers instead of a real result

Watch: 4 ways to pay for solar

Download the guide (PDF)

Still have questions?

Still have a question? Get in touch and we will answer it directly, or see everything ZenSolar offers on Services.

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