Powur does not underwrite PPAs directly. Through their platform, California homeowners access $0-down Power Purchase Agreements from two leading third-party financiers: LightReach (by Palmetto) and GoodLeap. You pay for the electricity your system produces at a rate typically 20-50% below your current utility.
A solar PPA is the simplest possible structure: a solar company installs a system on your roof at no cost, and you buy the electricity it produces at a set rate that is lower than your utility's rate.
The PPA provider installs the system on your home at no upfront cost. You do not own the system. The provider holds title throughout the agreement term.
Each month you pay for the electricity your system produces at a rate set in the contract, typically 20-50% below your current PG&E, SCE, or SDG&E rate.
Maintenance, monitoring, and warranties are the provider's responsibility for the 25-year term. If production drops, they address it.
The PPA can transfer to the new buyer when you sell. However, the buyer must qualify and agree to assume the contract, which can add complexity to a transaction.
Powur does not underwrite PPAs itself. The platform connects California homeowners with two primary third-party ownership financiers offering $0-down PPA structures.
LightReach provides comprehensive solar and battery third-party ownership structures through the Powur platform. Their California PPA includes strict performance guarantees and comprehensive equipment coverage for the term.
GoodLeap is one of the nation's largest sustainable lending platforms. Their California PPA offers $0-down access to solar with a flat monthly rate for clean energy rather than a per-kWh charge.
For most California homeowners who qualify for Propel or Participate, those structures deliver stronger 25-year economics. Here is why, side by side.
| Feature | Propel Financing | Participate Prepaid | PPA (LightReach / GoodLeap) |
|---|---|---|---|
| Upfront cost | $0 down | Upfront prepayment (or financed) | $0 down |
| Payment structure | Fixed monthly, 25 years | One time, then nothing | Per kWh or flat monthly |
| Annual escalation | None, fixed for life | None | 1.5-3.5%/yr typical |
| ITC savings to you | 30-39.2% upfront discount | ~30% in prepayment price | Retained by provider |
| System ownership | Automatic Year 5 | Purchase option Year 6 | Never (unless bought out) |
| Credit check | Yes, 660 FICO | None | Soft check typical |
| Home sale complexity | Simple, tied to borrower | Free transfer, no qualification | Buyer must qualify and assume |
| Battery options | Enphase IQ | Tesla Powerwall 3 | Tesla Powerwall 3 (some plans) |
| 25-year cost outlook | Lowest (no escalation, ownership) | Very low (one payment, no monthly) | Highest (escalating per-kWh rate) |
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660+ FICO, want $0 down, want ownership path, in EC zip code, monthly payment OK. Delivers the strongest 25-year economics when the 39.2% discount applies.
No credit check, prefer no monthly payment, want Tesla Powerwall, or are in a non-EC zip code. Strong long-term economics through single prepayment.
You want the simplest possible structure, are in LADWP territory (check eligibility), or cannot qualify for either Propel or Participate. Best for immediate savings in years 1-7 before the escalator erodes the advantage.
Tell us your utility, your zip code, and your monthly bill. We will show you real numbers across all three products so you can pick the one that makes the most sense for your California home.