Prosper Paramount Solar Incentive Program · Platinum Preferred Partner
What Happens When You Stack Every Available Incentive Into ONE?
A dedicated team that hand delivers every dollar your customer is owed. Stress free, start to finish. Set it and forget it. This is the new golden standard in solar.
Real Prosper installsShow customers what premium delivery looks like: one Prosper team coordinating incentives, compliance, and the final benefit handoff.
Set it and forget it
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Paramount
Solar Incentive Program
Platinum PartnerGolden Standard
✓ Stack Every Incentive✓ Hand Delivered Benefits✓ Set It & Forget It◆ Platinum Tier
To Our Platinum Preferred Partners,
There is a moment in every sales conversation where the customer leans in. Not because the price was right. Not because the rate was low. Because somebody finally showed them something nobody else had taken the time to build.
That moment is what Prosper was designed to create.
The Prosper Paramount Solar Incentive Program does one thing nobody else in this industry does consistently. It finds every available incentive your customer qualifies for, stacks them into a single package, and then hands the entire benefit directly to your customer without them having to chase a single form, file a single document, or stress about a single deadline.
Set it and forget it. That is not a tagline. That is the literal experience your customer has from the day they sign to the day their benefit is delivered. Prosper handles the qualification, the structure, the tax strategy coordination, the lender communication, and the principal recast. Your customer does nothing except watch their payment drop.
This is the new golden standard in solar. And right now, it belongs exclusively to Platinum Preferred Partners.
"Most companies sell solar. A few sell savings. We built something different. A team that finds every dollar a family is owed, stacks it into one plan, and hand delivers the result without the customer having to do a thing. Set it and forget it. That is the golden standard this industry has been missing."
Craig Stratton, CEO & Founder, Prosper
0% surge in homeowner solar engagement H2 2025 before the residential credit was cut
0Per credit SREC value in Washington D.C. Highest in the nation, double Massachusetts
50–70%Potential system cost recovery for qualifying Prosper Wealth Plan structures
Financial Examples
Three Families. Three Situations. One Structure That Works for All of Them.
The Prosper Wealth Plan is not just for wealthy customers. It delivers meaningful outcomes across every income profile. Here is what the math actually looks like, with full transparency on each moving part.
Every example below uses the same core structure: Prosper Wealth Plan commercial credit transfer, SREC monetization layered on top, and a principal recast that reamortizes the loan. The benefit amount varies by qualification, but every family wins.
Profile 01 · High Income
The Chen Family
Dual income professionals · Bethesda, MD · Business owners
$135,516
Total 10 Year Benefit
Original Payment$499/month
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After Prosper Wealth Plan$103Saves $396/mo
18 kW system on a $65,000 loan. Prosper stacks the ITC, energy community bonus, MACRS depreciation, and Section 179 to apply $51,516 to their loan principal at year one. Add $84,000 in D.C. SREC income over 10 years and this family captures over $135,000 in total benefit on a $65,000 investment.
79% system cost recovered Year 1$396/mo savings$84K SREC income (10 yr)
Household Income$380,000
System Size18 kW
System Cost$65,000
Tax Bracket37%
Prosper Wealth Plan Full Financial Breakdown
Incentive / Benefit
Basis
Est. Value
30% Federal ITC Commercial credit transferred via Prosper Wealth Plan
$65,000 x 30%
$19,500
Energy Community Bonus +10% for qualifying energy community
$65,000 x 10%
$6,500
Bonus Depreciation (MACRS) 100% first year accelerated depreciation
$46,800 x 37%
$17,316
Section 179 Deduction Business equipment expense
Est. $8,200
$8,200
Total Principal Reduction
Applied by Prosper
$51,516
D.C. SREC Income (10 yr) 21 SRECs/yr x $400/SREC avg x 10 years
21 x $400 x 10
$84,000
Total 10 Year Economic Benefit
$135,516
The Chens qualify for the energy community bonus, putting their effective ITC at 40% before depreciation. With full MACRS and Section 179, Prosper applies $51,516 to their loan principal at year one. Their $499/month payment drops to $103. For a high income business owner, this is a wealth conversation, not a utility bill conversation.
Profile 02 · Middle Income
The Williams Family
Teacher & contractor · Richmond, VA · Homeowners with 2 kids
$64,002
Total 25 Year Benefit
Original Payment$293/month
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After Prosper Wealth Plan$145Saves $148/mo
10 kW system on a $38,000 loan. Prosper applies $19,252 to their principal through ITC, depreciation, and a state utility rebate. Their new payment is $10 more than their old electric bill and they own the system. Over 25 years, total benefit exceeds $64,000.
51% system cost recovered Year 1$148/mo savings$40K lifetime utility savings
Household Income$112,000
System Size10 kW
System Cost$38,000
Tax Bracket22%
Prosper Wealth Plan Full Financial Breakdown
Incentive / Benefit
Basis
Est. Value
30% Federal ITC Commercial credit transferred via Prosper Wealth Plan
$38,000 x 30%
$11,400
Bonus Depreciation (MACRS) Applied against contractor income
$26,600 x 22%
$5,852
State Utility Rebate (VA) Dominion Energy Smart Solar Rebate
Flat rebate
$2,000
Total Applied to Principal
Applied by Prosper
$19,252
Electric Bill Savings (25 yr) $0.135/kWh · 12,000 kWh/yr offset
$1,620/yr x 25
$40,500
MD SREC Income (5 yr) 10 SRECs/yr x $85/SREC avg
10 x $85 x 5
$4,250
Total 25 Year Economic Benefit
$64,002
The Williams family does not need a massive system to win. A 10 kW system at $38,000 becomes a $145/month payment after Prosper applies nearly $19,252 to their principal. Their average electric bill was $135/month before solar. Their solar payment is now $10 more than what they were paying in electricity and they own the system. This is the family that tells every neighbor on the block.
Profile 03 · Retired · Fixed Income
Harold & Ruth Patterson
Retired educator & veteran · Manassas, VA · Fixed income, own home outright
$46,500+
Total 25 Year Benefit
Original Payment$216/month
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After Check + Recast$107Saves $109/mo
8 kW system on a $28,000 loan. Prosper structures LMI bonus credits and rural supplements to issue a $14,100 check directly to the Pattersons at close. Their loan drops to $13,900. Their new payment is less than their old electric bill. Over 25 years, they save more than $46,000. This is what Leave No Family Behind looks like.
$14,100 check at close$109/mo savings$32K lifetime utility savings
Household Income$58,000
System Size8 kW
System Cost$28,000
Tax Bracket12%
Prosper Wealth Plan Full Financial Breakdown
Incentive / Benefit
Basis
Est. Value
30% Federal ITC Commercial credit structured on behalf of Pattersons
$28,000 x 30%
$8,400
Low Income Bonus Credit (LMI) Additional 10% for qualifying households
$28,000 x 10%
$2,800
Virginia SCC Rebate Dominion residential solar incentive
Flat
$1,000
USDA REAP Grant (Rural) Up to $1,900 for qualifying systems
Rural supplement
$1,900
Check Issued at Close
Prosper delivers on their behalf
$14,100
Remaining Loan Balance $28,000 minus $14,100 applied
$13,900
Electric Bill Savings (25 yr) 9,600 kWh/yr offset
$1,296/yr x 25
$32,400
Total 25 Year Benefit
$46,500+
Harold and Ruth do not have business income to offset. They have a fixed income, a paid off home, and an electric bill that keeps going up. The Prosper Wealth Plan structures a $14,100 check issued directly to them at close. Their payment goes from $216 to $107 per month. Less than their current power bill. Over 25 years, the Pattersons save more than $46,000.
SREC Market Data
The Income Stream Most Customers Have Never Heard Of
Stack SRECs on top of every profile above. For families in active SREC markets, especially Washington D.C. and Maryland, the roof generates credits every month that can be sold for hundreds of dollars per credit.
Market
SREC Price Range
10 kW Annual Credits
Est. Annual SREC Income
Washington D.C. 🏆 Highest in Nation
$383 – $440+
~12 SRECs
$4,596 – $5,280
Massachusetts
$200 – $280
~12 SRECs
$2,400 – $3,360
Maryland
$70 – $95
~12 SRECs
$840 – $1,140
New Jersey
$55 – $75
~12 SRECs
$660 – $900
Ohio / Pennsylvania
$3.50 – $31
~12 SRECs
$42 – $372
Sources: SRECTrade December 2025, D.C. Public Service Commission February 2026, World Population Review SREC State Rankings 2026.
The Prosper Standard
A Higher Standard of Care. A Higher Level of Execution.
Most companies optimize for volume. We invest in long-term customer outcomes. That means better service, stronger trust, more referrals, and a customer experience people remember long after the install is complete.
01
Built for the Long Game
We invest beyond the sale because the real value of a customer starts after the contract. Long-term care creates long-term trust, and long-term trust compounds the business.
02
Structured to Deliver More
This level of qualification, deal engineering, incentive stacking, and follow-through takes real infrastructure. Most companies are not built to execute it consistently. We are.
03
Happy Customers Compound Growth
Families who feel taken care of come back, refer, and raise lifetime value. We do this because we care about the outcome, and that care becomes a growth engine the market remembers.
Leave No Family Behind
"The big companies looked at this, did the math on what it cost per deal to execute, and walked away. We looked at the same math and saw a family that deserved better. That is the whole difference."
Craig Stratton, CEO & Founder, Prosper
The 25D residential tax credit is gone. The easy pitch is gone. The customers who deferred in late 2025 are sitting in homes with no offer worth saying yes to. This window is open right now. It will not stay open forever.
Quick Reference · 8.99% APR · 25 Year Term
Common Results at a Glance
Every number below uses a 25 year loan at 8.99% APR. The Prosper Wealth Plan benefit is applied to principal at year one and the loan is recast. What remains is a payment that often competes with, or beats, what they were already paying the utility company.
i
Benefit amounts reflect ITC (30 to 40% depending on bonus eligibility) plus applicable depreciation offset by income bracket. Higher earners capture more depreciation value. All figures are illustrative. Run the Midas calculator below for customer specific results.
Household Income
Typical System
Payment Before
Wealth Plan Benefit
Payment After
Mo. Savings
25 Yr Total Savings
$200,000
$65,000 · 18 kW
$545/mo
$46,442
$156/mo
$389/mo
$116,828
$150,000
$50,000 · 14 kW
$419/mo
$33,600
$138/mo
$282/mo
$84,522
$125,000
$45,000 · 12 kW
$377/mo
$26,460
$155/mo
$222/mo
$66,561
$100,000
$38,000 · 10 kW
$319/mo
$19,152
$158/mo
$161/mo
$48,178
$75,000
$30,000 · 8 kW
$252/mo
$14,610
$129/mo
$123/mo
$36,752
$50,000
$22,000 · 6 kW
$184/mo
$8,844
$110/mo
$74/mo
$22,247
$35,000
$18,000 · 5 kW
$151/mo
$5,400
$106/mo
$45/mo
$13,584
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Every income level wins. From $35K to $200K, the Prosper Wealth Plan cuts the payment. The benefit scales with income but the outcome is the same: solar that makes financial sense at every level.
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The $100K family pays $158/mo on a system that was $319. That is often less than their current power bill and they own the system outright at the end of 25 years.
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$200K household recovers 71.5% of system cost in Year 1. That is not a discount. That is a wealth event. Run this in front of any business owner and watch the room change.
All calculations use 8.99% APR, 25 year term. Benefit applied to principal at year one, loan recast at original rate. ITC reflects 30% base plus applicable bonuses. Depreciation scales with marginal tax bracket. Illustrative only.
Live Tool · Prosper Wealth Plan
Run Any Customer's Numbers Right Now.
Enter income, system size, loan terms, and bonus credit eligibility. See the exact benefit in seconds. Use it live on a call. Email the PDF report directly to your customer.
Live Calculator · Prosper Wealth Plan · Midas
Your Journey
Sign Up for Prosper Solar. We Handle the Rest.
This is the set-it-and-forget-it service model. While your customer is kicking back, Prosper coordinates the incentive strategy and benefit delivery, Paramount Tax & Accounting prepares the filing, and Nelson Mullins stands behind the legal framework. One signup. One coordinated process. One maximized outcome.
25,000+Prosper installations delivered
60+Paramount tax locations nationwide
1,000+Solar returns filed by Paramount
1,000+Attorneys supporting the framework
1
Sign Agreement
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2
Upload Documents
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3
Welcome Call
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4
System Activated
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5
Tax Prepared
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6
File & Benefit
What Sets Us Apart
⚖
Backed by a Top National Law Firm
Nelson Mullins, an Am Law 100 firm with 1,000+ attorneys, stands behind the legal framework that supports this structure.
📋
Professional Tax Filing
Paramount Tax handles your complete return with 60+ locations nationwide, helping ensure the filing is prepared correctly from start to finish.
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Maximize Benefits
We work to identify every available credit, deduction, and incentive so your customer captures the strongest lawful outcome available.
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Audit Support
Full support and legal backing are available if questions arise from the IRS, so customers are not left on their own after filing.
Frequently Asked Questions
How does the Federal Solar Tax Credit work?
The ITC lets you deduct 30% of solar installation costs from federal taxes. Bonus credits for domestic content and energy communities can increase this to 40%+.
What if I don't owe enough taxes?
Federal solar credits carry forward up to 20 years. Unused credits roll over to future tax years until fully utilized.
What is depreciation and how does it help me?
Solar systems qualify for MACRS depreciation, allowing you to deduct the cost of your system over time. This reduces your taxable income and can increase your overall tax savings.
Do I need to itemize my taxes?
No. The federal solar tax credit is a direct credit against your tax liability, not an itemized deduction. You can claim it regardless of whether you itemize.
About Our Partners
Together, Prosper, Paramount Tax & Accounting, and Nelson Mullins create one coordinated service that works to maximize the incentive, prepare the return correctly, support the legal framework, and move the customer from signup to benefit delivery without making them carry the process on their own.
Paramount Tax & Accounting
A national tax preparation firm with 60+ locations and over 1,000 solar returns filed. Paramount handles your complete tax filing to support maximum benefit capture.
Nelson Mullins Riley & Scarborough
An Am Law 100 firm established in 1897 with 1,000+ attorneys. Nelson Mullins provides the legal framework that supports your solar tax position.
Trust & Accreditations
The Credentials Behind the Promise.
25,000+ families have trusted Prosper with their homes, their energy, and their financial future. These are not participation trophies. They are the result of a company that shows up, executes, and refuses to leave any family behind.
⭐
Google Reviews
★★★★★
5.0 · 1,005+ Reviews
BBB
Better Business Bureau
A+
Accredited Business
🏆
Customer Service Award
2025 Winner
National Excellence in Service
♦
Five Diamond Rated
◆◆◆◆◆
Call Center Excellence
🥇
Wealth Management
Platinum Member
Recognized Partner Network
Verified Customer Rating
4.9
★★★★★
Based on 1,005+ verified customer reviews across Prosper's active channels.
White-glove service. Verified by real customers.
5 stars
91%
4 stars
6%
3 stars
2%
2 stars
1%
1 star
0%
What Families Are Saying
★★★★★
"I was skeptical when they told me I'd get money back. I thought it was too good to be true. Prosper walked me through every step. I got a check for $14,200 and my payment went from $287 down to $141 a month. I've told everyone I know."
MJ
Marcus J. Homeowner · Richmond, VA
★★★★★
"The team at Prosper didn't just sell us solar. They showed us a financial strategy we didn't know existed. Two months after install we received our benefit applied to our loan and our monthly payment dropped by over $200. Life changing."
ST
Sandra & Tom W. Homeowners · Bethesda, MD
★★★★★
"We're retired and on fixed income. We were worried solar wouldn't work for us. Prosper found incentives we didn't even know we qualified for. Our payment is now $98 a month and our power bill is basically zero. We wish we had done this years ago."
HR
Harold & Ruth P. Retired · Manassas, VA
★★★★★
"I own a small business out of my home and Prosper structured the deal so my business tax benefits applied to my solar loan. My accountant was impressed. No other company even mentioned this was possible."
DL
Darnell L. Business Owner · Charlotte, NC
★★★★★
"Customer service was incredible from day one through final installation. Every call was answered. Every question got a real answer, not a script. Prosper is simply a different class of company."
KM
Karen M. Homeowner · Alexandria, VA
★★★★★
"The SREC income alone has already paid for two months of our loan. We had no idea the energy our panels produced could be sold back as credits. Prosper explained it clearly, set it up for us, and now we earn money every month just for having solar."
BF
Brian & Fiona C. Homeowners · Silver Spring, MD
★★★★★
"Three companies came out to quote us. Two talked about price. One, Prosper, talked about money back in our pocket, tax credits, and SRECs. It wasn't even close. Prosper won our business in the first 15 minutes."
JR
James R. Homeowner · Rockville, MD
★★★★★
"I have two kids with special needs and a mortgage that keeps us on a tight budget. The rep at Prosper actually listened. They found LMI credits I qualified for and structured the deal around what my family needed. That kind of care is rare."
TP
Tanya P. Single Mom · Hampton Roads, VA
★★★★★
"My neighbor went with Prosper six months before me. When I saw his bill and heard about the benefit he got back, I called Prosper the same day. Everything he told me was true. This company delivers exactly what it promises."
RG
Raymond G. Homeowner · Fredericksburg, VA
★★★★★
"From the initial consultation to the final NTP we were kept informed every step of the way. The install team was respectful, cleaned up, and were done in one day. The back office support has been just as strong."
NE
Nicole & Eric B. Homeowners · Annapolis, MD
★★★★★
"My electric bill used to average $310 in the summer. Last August it was $11. Eleven dollars. I've been a homeowner for 22 years and this is the single best financial decision I have ever made for this house."
WH
Walter H. Homeowner · Chesapeake, VA
★★★★★
"The Wealth Plan explanation was clear, honest, and backed up with real numbers. When I showed my CPA, she said the structure was legitimate and sound. That sealed it for me."
AM
Angela M. Business Owner · Raleigh, NC
★★★★★
"I've referred four families to Prosper. All four have had the same experience I did. Professional, transparent, and the numbers worked exactly as promised. When you find something that actually works, you tell people."
CJ
Christine J. Homeowner · Glen Allen, VA
★★★★★
"We were nervous about a 25 year loan. The Prosper advisor broke down every scenario. What happens if we sell, refinance, or pay it off early. No smoke and mirrors. When the benefit hit and our payment dropped to $119, that nervousness went away fast."
PL
Paul & Lisa T. Homeowners · Gainesville, VA
★★★★★
"I'm a veteran on a fixed pension and I was worried I wouldn't qualify. The Prosper team found a rural supplement I had no idea existed. My payment is now $88 a month. That money goes to my grandkids now."
GS
George S. Veteran · Culpeper, VA
★★★★★
"We run a small consulting practice out of our home and the depreciation benefit was something our old solar company never mentioned once. Prosper found $18,000 in total benefit we were entitled to. That changed everything."
YK
Yusuf & Karin O. Home Based Business · McLean, VA
★★★★★
"I called Prosper on a Thursday. They had my complete plan in my inbox by Friday morning. By the following Tuesday I had signed and scheduled. The speed matched the quality. You don't often get both."
MR
Michael R. Homeowner · Burke, VA
★★★★★
"Five stars is not enough. The entire team made us feel like we were the only customer they had. In an industry full of people who disappear after the sale, Prosper stays. That means everything."
DW
Denise W. Homeowner · Stafford, VA
★★★★★
"My husband was the skeptic. He sat in on every call, asked every tough question, and pushed back on every number. Prosper answered all of it with patience, documentation, and real data. By the end he was the one pushing to sign."
LN
Linda N. Homeowner · Woodbridge, VA
★★★★★
"We went solar three years ago with another company and regretted it. Came to Prosper for a second system and it was a completely different world. The Wealth Plan alone recovered more than what the other company's entire discount program offered."
OB
Olivia B. Homeowner · Columbia, MD
★★★★★4.9 out of 5 · 1,005+ verified reviews · Google · BBB · Trustpilot
The Questions Every Customer Asks. The Answers That Close the Deal.
These are not scripts. They are the truth told cleanly. The rep who can answer these ten questions confidently does not have competition.
Because they cannot make money off of it. The bigger the company, the less they care about engineering individual deals. National installers are built for volume. Same pitch, same product, same margin, thousands of times a day. Structuring a commercialization framework requires individual qualification, tax strategy partnerships, and deal by deal engineering. There is no shortcut. There is no scale hack. Large companies looked at this structure, did the math on what it cost per deal to execute, and walked away. They made a business decision. We made a different one. They walked away from the family sitting at that kitchen table. We built the entire program around getting that family every dollar they are owed.
The catch is qualification. Not every customer qualifies and we never oversell it. The Prosper Wealth Plan works through a properly structured commercialization framework. It requires the right tax profile, the right project structure, and in some cases a grid interconnection agreement. When those boxes are checked, the math is real and every incentive is documented in the federal tax code. This is not a loophole. It is a structure most families never knew existed because nobody took the time to build it for them.
The standard 30% residential ITC for purchased systems was eliminated effective January 1, 2026. What Prosper structures is a commercial credit transfer, a different mechanism entirely. Depending on eligibility, that can include the ITC at 30% to 40%, accelerated depreciation, Section 179 deductions, and applicable bonus credits. The residential credit most customers heard about is largely gone. What we offer is what replaced it, for the families who know where to look.
We tell them that upfront, before they sign anything. Prosper runs a qualification assessment on every deal. If a customer does not meet the criteria, we present exactly what they do qualify for and build the strongest possible package around their actual profile. No customer ever goes into a deal expecting a benefit they will not receive. Honesty is what protects the relationship and the referral that comes after it.
Every component of the Prosper Wealth Plan is grounded in existing federal tax law. The Investment Tax Credit under IRC Section 48, MACRS accelerated depreciation under IRC Section 168, and applicable bonus provisions under the Inflation Reduction Act. The structure is established through Nelson Mullins, a nationally recognized law firm. Customers are advised to review all outcomes with their own qualified tax advisor. We provide the structure. The tax code provides the authority.
The benefit is typically processed and applied in the tax year following system activation. For Full Transfer customers the latest processing date is October 15 of the year following activation, often sooner depending on investor timing. Once applied, the loan principal is reduced and the payment is recast at the original rate. From activation to recast, most customers experience the full impact within 9 to 14 months. Set it and forget it. That is the literal experience from signature to delivery.
In many cases, yes. Systems activated in 2023 through 2026 may be eligible depending on the original purchase structure and whether benefits were previously claimed. If a customer purchased their system and has not fully utilized available credits, a Prosper advisor can assess eligibility and potentially work with prior tax years going back up to three years. It is worth one conversation before assuming the window is closed.
Research from Lawrence Berkeley National Laboratory indicates solar installations increase home sale prices, with buyers willing to pay a documented premium for owned systems. The Wealth Plan benefit, once applied and the loan recast, is already locked in. It does not reverse if the home is sold. The lower payment was real while they owned it. The increased home value is a documented advantage when they sell it.
That is a fair concern and it is exactly why Prosper built the infrastructure before making the offer. The structure works when three things are in place: a qualified customer, a verified tax strategy partnership, and a team that stays through execution. Most companies that made similar claims failed on the third one. They closed the deal and disappeared. Prosper manages the process from qualification through benefit delivery. Over 1,005 verified reviews reflect customers who went through the full cycle, not just the pitch.
Because the Wealth Plan is not something you can buy off a shelf. It requires vetted tax strategy partners, legal infrastructure through established counsel, lender relationships that allow principal recasting, and a team that has executed this across 25,000+ installations in 42 states. An independent rep can sell panels and a loan. A Platinum Preferred Partner walks into any home, any income level, any tax profile, and builds a plan that makes financial sense before the first statement ever arrives. That is not a pitch. That is a position in the market nobody else holds right now.
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The New Golden Standard in Solar
Stack Every Incentive · Hand Deliver Every Dollar · Set It and Forget It · Leave No Family Behind
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Apply Now
Ready to Get Started?
Whether you are a homeowner looking for a quote or a dealer ready to join our Platinum Preferred Partner network, we have a path for you. Choose your track below and we will be in touch within 24 hours.
🏠 Homeowner Solar Quote Request
✅Your quote request has been submitted.
A member of the Prosper team will be in touch within 24 hours. Welcome to the golden standard in solar.
🤝 Platinum Preferred Partner Application
✅Your application has been received.
Our compliance team will review your submission and respond within 24 to 48 hours. Welcome to the Prosper Platinum Preferred Partner network.
All financial examples are illustrative and intended to describe how the Prosper Wealth Plan structure may apply across different customer profiles. Tax outcomes, credit eligibility, and benefit amounts depend on individual customer tax status, project structure, geographic location, and qualified tax advisor guidance. Prosper does not provide tax advice. SREC values fluctuate by market and compliance period. Loan examples assume 25 year amortization at 8.00% with principal recast after benefit is applied. LMI and rural bonus credits subject to IRS eligibility guidelines. USDA REAP supplements vary by project classification. All figures should be verified by a qualified tax advisor before making financial decisions.
