ERS Energy C&I Financing

Flexible Financing for Every Business

Cash purchase, green loans, PPA, or solar lease. ERS Energy structures the right financing model for your capital strategy so you can go solar on terms that suit your business.

Zero
Upfront with PPA
4–7 Yrs
Typical Payback
3.5%
Indicative Loan Rate
Cash Flow
Positive from Month 1

Payback, IRR and savings figures are estimates for reference only, not a quotation or offer. Actual results depend on the site survey, tariff and usage.

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Financing Options

Choose Your Financing Structure

Four ownership models to match your capital strategy. Each has different implications for cash flow, balance sheet, tax treatment, and maintenance responsibility.

payments
Ownership

Cash Purchase

Maximum ROI. Pay upfront, own the system from day one. The GITA tax allowance (60% of solar CAPEX, via MGTC) flows directly to you.

17–30%
Project IRR
4–7 yrs
Payback period
60% / 100%
GITA: solar / BESS
RM 0
Monthly obligation

Best for businesses with available CAPEX seeking maximum long-term returns and full tax benefits. Payback and IRR are estimates for reference only, not a quotation or offer.

account_balance
Financing

Green Loan

Own the asset with minimal upfront capital. Repayments depend on loan size, tenor and rate; a longer tenor can bring the monthly payment closer to your electricity savings. GTFS 5.0 guarantee available.

3.5%
Indicative loan rate p.a. (assumed)
5–7 yrs
Loan tenor
60–80%
GTFS 5.0 guarantee
60%
GITA on solar (retained)

Own the system and keep the GITA tax benefit while spreading costs. GTFS 5.0 gives a 60–80% government guarantee on the green component of the loan; it does not reduce the interest rate.

handshake
Zero CAPEX

PPA

Zero investment required. ERS Energy installs, owns, and maintains the system. You buy solar power at a fixed rate below your current TNB tariff.

RM 0
Upfront cost
10–30%
Below TNB rate
15–21 yrs
Contract period
Day 1
Savings start

Ideal for tenants, CAPEX-constrained businesses, or those who prefer predictable energy OPEX with zero maintenance.

real_estate_agent
Off-Balance-Sheet

Solar Lease

Predictable fixed payments. Fixed monthly lease with no ownership transfer. Lower payments than a loan, no maintenance burden, off-balance-sheet treatment.

Fixed
Monthly payment
10–15 yrs
Lease term
Year 5
Early buyout option
Zero
Maintenance cost

Preferred by Bursa-listed companies managing gearing ratios and MNCs with global CAPEX constraints.

Financing Comparison: 500 kWp Example

Illustrative monthly payment comparison for a 500 kWp system, generating about 625,000 kWh/year (1,250 kWh per kWp).

Model Upfront Cost Monthly Payment Monthly Savings Breakeven Total Payments (loan / lease term)
Cash Purchase Quoted after a site survey RM 0 ~RM 16,400 4.1–4.6 yrs (after GITA) Quoted after a site survey
Green Loan (3.5% assumed, 7 yrs) Bank-dependent RM 11,827–13,037 ~RM 16,400 Immediate (net +RM 3,401–4,611/month before GITA) RM 993,474–1.1M
Solar Lease (0.85%/month assumed, 15 yrs) RM 0 RM 7,480–8,245 ~RM 16,400 Immediate (net +RM 8,193–8,958/month) RM 1.3M–1.5M
PPA (20% below energy charge, assumed) RM 0 Per kWh (~RM 11,400/mo at this size) ~RM 16,400 Immediate (net about +RM 5,000/month) Usage-based

Figures are illustrative outputs of the ERS C&I incentive calculator for a 500 kWp system (NDMV General tariff, manufacturing profile; exported energy not credited). System cost is an internal range and is not published per kWp. Loan (3.5% p.a. assumed, 7 years), lease (0.85% of cost per month, 15 years) and PPA (20% below the NDMV energy charge) terms are indicative assumptions, not offers. The GITA tax saving of RM 126,720–139,680 is not reflected in the monthly figures. Illustrative estimate only, based on the stated assumptions and current published tariffs/incentives. Not a quotation or financial, tax or investment advice. Actual results depend on a site survey.

Size Guide

Financing by Business Size

These are estimates and examples of how businesses typically choose to finance their solar projects, but not limited to these structures. Payback and savings figures are estimates for reference only, not a quotation or offer.

store

SME (50–200 kWp)

Common choice: Green Loan or Cash Purchase

  • check_circle Typical investment: quoted after a site survey
  • check_circle Typical payback: 4.5–6.5 years
  • check_circle GITA saves about RM 15K–60K in tax
  • check_circle GTFS 5.0 guarantee available (60–80%)
  • check_circle SME-friendly loan requirements
business

Mid-Market (200 kWp–1 MWp)

Common choice: Cash, Green Loan, or PPA

  • check_circle Typical investment: quoted after a site survey
  • check_circle Typical payback: 4–6 years
  • check_circle GITA saves about RM 55K–249K in tax
  • check_circle All financing models available
  • check_circle PPA available for balance-sheet preference
factory

Enterprise (1 MWp+)

Common choice: PPA, Project Finance, or Corporate Lease

  • check_circle Typical investment: quoted after a site survey
  • check_circle Typical payback: 3.5–5 years
  • check_circle GITA saves about RM 210K+ in tax
  • check_circle Structured/project finance available
  • check_circle Corporate PPA and SPV structures
Find Your Fit

Which Financing Fits Your Business?

Start with your situation. The right financing model follows naturally from your capital availability, balance sheet constraints, and strategic priorities. Payback, IRR and savings figures quoted below are estimates for reference only, not a quotation or offer.

If you…
Have available CAPEX and want maximum long-term returns
Cash purchase gives you the full project IRR over the system lifetime (about 17–30% on the NDMV General tariff in the ERS calculator). You claim the GITA allowance (60% of qualifying solar CAPEX at the 24% tax rate, via MGTC). For a 500 kWp system the calculator shows a payback of about 4.1–4.6 years after GITA.
payments Cash Purchase
If you…
Want to own the asset but preserve working capital
A green loan lets you own the system and claim GITA while spreading payments over 5–7 years. GTFS 5.0 provides a 60–80% government guarantee on the green component of the loan, which can help access to finance. At an assumed 3.5% p.a. over 7 years, a 500 kWp system has a repayment of about RM 11,827–13,037/month against about RM 16,400/month of electricity savings, so cash flow can be positive from the first month (before the GITA tax saving).
account_balance Green Loan
If you…
Need zero CAPEX and prefer an operational expense model
PPA means zero investment: ERS Energy installs, owns, and maintains the system on your roof. You buy solar power at a fixed rate below your current TNB tariff (indicative; our illustration assumes 20% below the NDMV energy charge). Typical 15–21 year contract with annual escalation of 1–2%. Ideal for tenants, businesses conserving CAPEX, or those who prefer predictable energy OPEX.
handshake PPA
If you…
Want off-balance-sheet treatment with predictable costs
A solar lease has fixed monthly payments and no maintenance burden. Typical 10–15 year terms, with early buyout at fair market value after year 5 (indicative). Accounting treatment depends on the lease terms; please consult your auditor.
real_estate_agent Solar Lease
Financing Partners

Trusted Green Financing Partners

ERS Energy works with Malaysia’s leading banks and GTFS 5.0 participating financial institutions to secure competitive green financing. GTFS 5.0 is a scheme of up to RM 1 billion with a government guarantee, available to 31 December 2026 (GTFS).

CIMB
Maybank
Public Bank
RHB
AmBank
OCBC
CGC (GTFS)

GTFS 5.0 gives a 60–80% government guarantee on the green component of eligible loans, with no interest rebate. ERS Energy handles loan facilitation, documentation, and the GTFS application on your behalf. CGC (Credit Guarantee Corporation) provides the guarantee facility. Policy information as of September 2026.

FAQs

Common Financing Questions

Answers to the questions finance directors ask most about C&I solar financing.

Can I claim GITA if I use a green loan instead of cash? expand_more

Yes. GITA applies to the asset owner, not the payment method. Whether you pay cash or finance through a green loan, you own the system and can claim the GITA allowance (60% of qualifying solar CAPEX; 100% for BESS). The only financing models where you cannot claim GITA are PPA or lease, as the asset is owned by ERS Energy in those cases.

Is there a minimum system size for GTFS financing? expand_more

GTFS 5.0 does not specify a strict minimum system size; participating banks set their own minimum loan amounts, so please check with the bank.

Can I switch from PPA to ownership later? expand_more

Most PPA contracts include a buyout option after a specified period (typically 5–7 years). The buyout price is based on the depreciated fair market value of the system at the time of purchase.

What maintenance is required, and who handles it? expand_more

Solar PV systems require minimal maintenance, typically panel cleaning 2–4 times per year and annual inverter inspections. For cash and loan purchases, ERS Energy offers O&M packages, priced on request. For PPA and lease models, all maintenance is included at no additional cost.

Get Your Personalised Financing Assessment

Our C&I financial advisors will review your electricity bills, tax position, and capital structure to recommend the optimal financing model with projected savings and monthly payment scenarios specific to your business.

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