Published On:
December 19, 2025
Last Updated On:
Dec 19, 2025
At Option One Solar, we’ve partnered with HDM Capital to launch our Prepaid PPA Program. This program is specifically designed to help Southern California homeowners bypass complicated tax paperwork while still securing a massive discount on their solar system.
How You Get a 20% Discount (Without the IRS)
The biggest hurdle with the old tax credit was "tax liability". Many homeowners—especially retirees or those with various deductions—didn't owe enough in taxes to actually receive the full credit back from the government.
Our Prepaid PPA solves this through Third-Party Ownership (TPO):
The Incentive: Because HDM Capital technically owns the system for the first few years, they qualify for significant federal tax incentives (48E) that are still available through 2027.
The Pass-Through: Instead of making you wait until tax season to file forms, HDM Capital passes a portion of those incentives directly to you as an upfront 20% discount.
The Bottom Line: Your company still receives the full contract price, but the 20% comes from HDM Capital, and the rest is paid by you via cash or financing.
How the Prepaid PPA Works
Unlike standard PPAs that involve decades of monthly bills, our Prepaid version is a one-time payment that leads directly to full ownership.
Cover the System Upfront: You pay for the system’s total expected production in a single upfront amount. If you choose to finance, your loan payments may extend further, but the contract with the solar provider is paid in full on day one.
Locked-In Savings: You stay on a rate plan with Edison, and we size your system to eliminate as much of your bill as possible while providing immediate monthly savings and a strong overall ROI.
No "Escalators": Unlike standard PPAs, there are no annual rate increases.
Free Ownership Transfer: After the 6-year term ends, HDM Capital transfers full ownership of the system to you at no additional cost.
Dual-Layer Security: Our 25-Year Guarantee
We want you to feel confident, not speculative, about your system’s performance. That’s why we provide two lines of defense for your investment.
Primary Coverage: Your system is fully covered by Option One Solar’s 25-year warranty. We are your primary point of contact for any equipment failures or performance issues from the moment your system is commissioned.
Backup Security: For the first 6 years, HDM Capital provides added security. If Option One Solar were ever unable to fulfill its obligations, HDM would cover the cost for another licensed contractor to handle any repairs.
Active Monitoring: While solar systems require very little maintenance, we actively monitor your system for alerts and facilitate any necessary fixes so you don’t have to worry about a thing.
Comparison: Is the Prepaid PPA Right for You?
Feature | Traditional Cash Purchase (2026) | Option One Prepaid PPA |
Upfront Cost | Full Price (e.g., $30,000) | ~20% Discount (e.g., ~$24,000) |
Tax Credit | None (Expired Dec 31, 2025) | Claimed by Provider & Shared with You |
Ownership Transfer | Immediate | Transferred after Year 6 |
Total Warranty | 25 Years (Option One) | 25 Years & 6yr HDM Backup |
Don't Procrastinate Twice
Many people waited too long and missed the 2025 tax credit window. This new program is currently the most effective way to lower the purchase price of solar, but government incentive structures for TPO models are only guaranteed through 2027.
By switching now, you aren't just getting a 20% discount; you are locking in your energy rates while your neighbors deal with SCE’s unpredictable hikes. Think of this as a long-term investment in your home's future—one that turns your roof into a self-sustaining asset.
Ready to see your 20% discount in writing? Calculate Your Prepaid PPA Savings Today
