SUNGAGE FINANCIAL

Solar + Battery Packages Terms & Conditions

The solar and battery financing options presented (including Sunrise Escalator and BrightStart DPP programs) are conditional sales offers subject to lender approval, equipment availability, and final system design. All pricing, rates, payments, and projections are estimates until final loan documents are executed. All financing options are subject to credit approval through the applicable lending partner. Final interest rate, dealer fees, and payment terms may vary based on credit profile, FICO score, debt-to-income ratio, and underwriting guidelines. Advertised rates (including 3.99%, 4.99%, 5.99%, 6.99%, 8.99%, etc.) are for qualified buyers only. Applicants must meet minimum credit and income requirements. Financing terms of 20 or 25 years are subject to lender approval. 

A. Sunrise Escalator Program: Features a fixed starting monthly payment with an annual payment increase (example: 2.9% per year as shown). Escalator percentage is applied annually to the prior year’s payment amount. Total repayment amount increases over time due to the escalator. No Dealer Payment Program (DPP) prepayment required unless otherwise specified. 

B. BrightStart DPP Program: Includes a Dealer Payment Program (DPP) structure. Borrower agrees to make a lump-sum principal payment (shown as “DPP $”) by the deadline specified in loan documents (typically 12–18 months after funding). If the DPP payment is not made by the deadline, monthly payments may increase to the “Max $” payment amount disclosed.

Monthly “Initial $” payment assumes DPP payment is made on time. Failure to satisfy DPP requirements will not cancel the loan obligation. Equipment (e.g., FOX 12kWh, FOX 20kWh, FOX 28kWh, Enphase 10C, Tesla, PV system sizes such as 4.1kW or 8.5kW) is subject to availability. Equivalent or comparable equipment may be substituted if necessary due to supply chain constraints. Final system size and production may vary based on engineering review, AHJ requirements, or utility interconnection limits. “Initial $” reflects estimated starting monthly payment.“Max $” reflects maximum payment in DPP structures if the required lump sum is not paid. Escalator loans increase annually at the stated percentage.All payment examples are estimates and subject to final lender documentation.Customer retains any applicable federal or state right of rescission (typically 3 business days for financed transactions). Cancellation after permitting, engineering, or material procurement may result in cancellation fees as outlined in the installation agreement.

Most loan products allow prepayment without penalty; however, the borrower must review final lender documents for confirmation. Early payoff reduces total interest paid but does not entitle the borrower to refund of dealer fees unless otherwise stated in loan agreement. Battery-only installations may not qualify for all federal or state incentives unless paired with solar or meeting IRS guidelines. The customer is responsible for confirming eligibility. Pricing, rates, and equipment options are subject to change without notice and may expire based on lender rate sheet updates or inventory availability.