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Cash vs loan vs lease vs PPA
Year-by-year cost of ownership using our real loan, lease and PPA terms.
CashColorado RENU loan · 7.74% / 20 yrConcert Finance · 8.99% / 25 yrLease / PPA · 3%/yr escalator
| Option | Monthly | Payback | NPV @5% | 25-yr net |
|---|---|---|---|---|
| Cash | $22,000 upfront | 11 yrs | $10,531 | $39,365 |
| Colorado RENU loan · 7.74% / 20 yr | $180 | — | $5,541 | $18,051 |
| Concert Finance · 8.99% / 25 yr | $184 | — | $1,331 | $6,023 |
| Lease / PPA · 3%/yr escalator | $150 | — | -$1,458 | -$3,407 |
Loans: Colorado RENU loan (Westerra Credit Union) 7.74–8.99% up to 20 yrs; Concert Finance 8.99% up to 25 yrs. Leases/PPAs typically start 20–30% below retail using surviving federal credits. At 3%/yr utility growth, a 2.9% escalator trails your utility — that matters most in years 15–25. Monthly loan payment on $22,000 at 7.74%/20 yrs ≈ $180.
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