Key points
- Cash purchase gives the highest total return
- Asset finance is usually cash-positive from month one
- A PPA needs zero capital but gives the smallest total saving
- Choose based on capital availability, not headline generation figures
Cash purchase
Highest total return, shortest payback, all generation savings flow to your P&L from day one. Requires the biggest up-front cheque.
Asset finance
Spread the install cost over 5–10 years. Monthly repayments are usually less than the electricity savings, so the system is cash-positive from month one.
Power Purchase Agreement (PPA)
A third party owns the system on your roof and sells you the electricity at a fixed rate below your grid unit rate. Zero capital outlay, smaller total saving.
Choosing between them
Cash wins on total return. Asset finance wins on cash flow. A PPA wins on capital preservation.
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