Solar Panels — $0 down financing
Own your power with rooftop solar — a natural fit for the Florida sun, with $0 down through PACE.
- Licensed
- Insured
- Financing options
- $0 down
$0 down availableThe Sunshine State has among the best solar economics in the country; pairing panels with a new roof or impact upgrades lets owners bundle resilience and energy into one $0-down plan.
Florida is the Sunshine State, and rooftop solar turns that abundant sun into something you own rather than rent month after month from the utility. APEX Project is an independent contractor-matching service for Florida property owners — we are not a solar installer, lender, or PACE administrator. What we do is connect you with vetted, licensed solar contractors and help you arrange the financing that makes the project make sense, including PACE for eligible renewable-energy work at $0 down, repaid through your property-tax bill.
Solar photovoltaic (PV) is one of the cleanest fits for PACE financing in Florida. Renewable energy is a foundational PACE-eligible category under state statute, so a properly designed PV system can typically be installed with no money out of pocket and repaid as a line item on your annual property-tax assessment instead of through a separate solar loan. For many Miami-Dade owners, that means swapping an ever-rising electric bill for a fixed, predictable repayment on an asset that produces value for decades.
What makes solar different from most home upgrades is that it pays you back. A well-sized system offsets a meaningful share of your monthly utility draw, and in Florida's high-sun, high-A/C-load climate, the economics are among the strongest in the country. APEX helps you compare PACE against the federal residential solar tax credit and conventional solar loans so you choose the path that actually fits your situation — not whatever a single installer happens to sell.
Why it matters in Florida
Florida has some of the best solar economics in the United States: long days, high sun intensity, and air-conditioning loads that run hard for most of the year. That combination means a rooftop array here produces more usable energy and offsets a larger, more expensive utility bill than the same system would in a cooler, cloudier state. As utility rates climb, owning your generation becomes a hedge — your repayment is fixed while grid power keeps getting more expensive. There's also a roofing-and-resilience angle that's specific to South Florida. Mounting panels on an aging roof is a mistake, because removing and re-installing an array when the roof finally fails is costly. Many Miami-Dade owners replace an old roof and add solar in the same project, and because both can be PACE-eligible, they bundle the work into a single $0-down plan. Pairing panels with battery storage also gives you backup power during the outages that follow Florida's hurricanes and summer storms — keeping the refrigerator, fans, and essential circuits running when the grid goes down.
Why homeowners choose this
Own your power instead of renting it
A solar system you own keeps producing for 25+ years. Instead of paying the utility an open-ended, rising bill forever, you convert that spend into a fixed repayment on an asset you control.
$0 down through PACE
Renewable energy is a core PACE-eligible category in Florida. A qualifying PV system can typically be installed with no money out of pocket, repaid as a line item on your property-tax bill rather than through a separate solar loan.
Among the best solar economics in the country
Florida's high sun and heavy year-round A/C load mean a rooftop array offsets a larger, more expensive utility bill than the same system would elsewhere. More sun and a bigger bill to offset is a strong return equation.
A hedge against rising utility rates
Grid power keeps getting more expensive. When you generate your own, your repayment is fixed and predictable while utility rates continue to climb — the gap works in your favor over time.
May stack with the federal solar tax credit
Homeowners can generally pursue the federal residential solar tax credit alongside financing. APEX helps you understand how the pieces fit; the tax specifics should always be confirmed with a tax professional.
Storm resilience with battery storage
Solar paired with a battery keeps essential circuits — refrigerator, fans, medical equipment — running during the outages that follow Florida hurricanes and summer storms, turning your roof into backup power.
From match to done
- 1
Tell us about your home and your bills
Share your roof type, age, monthly electric usage, and goals. This lets us understand whether solar alone, solar plus storage, or a roof-and-solar bundle is the right starting point for your property.
- 2
Get matched with vetted, licensed solar contractors
APEX connects you with screened, licensed Florida solar installers suited to your roof and system size. You're matched to capable contractors — not handed off to a single sales pitch.
- 3
On-site assessment and system design
A contractor evaluates your roof condition, orientation, shading, and electrical panel, then designs a system sized to your actual consumption. If the roof is aging, they'll flag whether to replace it first.
- 4
Compare financing — PACE, federal credit, and loans
We help you weigh $0-down PACE (repaid on your tax bill) against the federal solar tax credit and conventional solar loans, so you pick the path with the best overall cost for your situation.
- 5
Permitting, installation, and inspection
The contractor handles permits, installs the array (and battery, if included), and coordinates the required inspections and utility interconnection so your system is safely commissioned and producing.
What's included
- Rooftop solar PV system design sized to your actual electric consumption
- Licensed installation of panels, racking, inverters, and wiring
- Optional battery storage for outage resilience and backup power
- Solar paired with a roof replacement as a single bundled project
- System expansion or additional panels for higher-consumption homes
- Electrical panel evaluation and upgrade coordination where needed
- Permitting, inspection, and utility interconnection handling by the contractor
- Financing comparison across PACE, the federal solar tax credit, and solar loans
Solar Panels financing — $0 down
For solar PV, PACE (Property Assessed Clean Energy) is a leading $0-down option because renewable energy is a foundational PACE-eligible category under Florida statute s.163.08. With PACE, the cost of a qualifying system is financed with no money down and repaid through an assessment added to your annual property-tax bill, rather than as a separate solar loan. The financing is tied to the property and secured by the assessment — it is not a grant and not free money; you repay the full amount over the financing term, with interest, through your tax bill. Eligibility depends on factors such as home equity, property-tax payment history, and the work qualifying as a renewable-energy improvement, and approval is determined by the PACE administrator, not by APEX. Importantly, PACE is just one path for solar. APEX is independent, so we'll help you compare it against the federal residential solar tax credit (which homeowners can generally pursue alongside financing — confirm the specifics with a tax professional) and conventional solar loans, then choose whatever delivers the best overall deal. For solar work that you'd rather not put on your tax bill, a consumer $0-down program with no payments for 12–18 months and low monthly payments may also be available. The goal is the right financing for your situation, not a single product pushed at you.
$0
down payment
12–18 mo
no payments
Low
monthly on your tax bill
Solar costs vary widely with system size (kW), panel and inverter quality, roof complexity, and whether you add battery storage — a small system on a simple roof sits at the low end, while a large array with batteries and a panel upgrade is far higher. These ranges are illustrative only and not a quote; your matched contractor provides exact pricing after assessing your roof, electrical panel, and consumption. We can also model how PACE repayment, the federal tax credit, and utility-bill savings net out for your specific case.
APEX is not a lender, contractor, or PACE administrator; financing is provided by third parties and subject to eligibility.
Get matched for Solar — $0 down
Answer a few quick questions. No commitment, no credit hit.
Step 1 of 3 — Where is the property?
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Solar Panels — questions
Is solar covered by PACE in Florida?+
Yes. Renewable energy, including solar PV, is a core PACE-eligible improvement under Florida statute s.163.08. A qualifying system can typically be installed with $0 down and repaid through your property-tax bill instead of a separate solar loan. Final eligibility is determined by the PACE administrator.
Can I still get the federal solar tax credit if I use PACE?+
Generally yes — homeowners can pursue the federal residential solar credit alongside financing. APEX helps you understand how the pieces fit together, but the tax specifics depend on your situation, so confirm with a tax professional before relying on any credit.
Should I replace my roof before installing solar?+
Often, yes. Mounting panels on an aging roof is risky, because removing and re-installing the array when the roof later fails is costly. If your roof is near end-of-life, many owners replace it first — and since both can be PACE-eligible, you can bundle them into one $0-down plan.
How does PACE repayment actually work?+
The financed amount becomes an assessment on your annual property-tax bill and is repaid over the financing term with interest. It's tied to the property and secured by the assessment — not a grant. You repay the full amount; APEX helps you compare it against other options first.
Will solar lower my electric bill?+
A properly sized system offsets a meaningful share of your utility draw, and in Florida's high-sun, high-A/C climate the offset is among the strongest in the country. Actual savings depend on your usage, roof, and system size — your contractor models this during the assessment. We don't promise a fixed number.
Can I add battery backup for hurricanes?+
Yes. Solar paired with battery storage keeps essential circuits — refrigerator, fans, medical equipment — running during the outages that follow Florida storms. It adds cost but adds real resilience, and the storage component is part of the system design your contractor will price.
Is APEX the solar installer?+
No. APEX is an independent contractor-matching service — not a solar installer, lender, or PACE administrator. We connect you with vetted, licensed Florida solar contractors and help you arrange and compare financing. The installation work and warranties come from the matched contractor.
What if I don't qualify for PACE?+
PACE eligibility depends on factors like home equity and property-tax history, and the administrator makes the call. If PACE isn't a fit, we can look at the federal tax credit, conventional solar loans, or a consumer $0-down program with no payments for 12–18 months so you still have a path forward.
On your side — not the contractor's.
We're independent
Not a builder. We match you to the right contractor for your job — our incentive is your result.
Vetted network only
We work with licensed, insured, vetted Florida contractors.
Free for you
Our matching service costs property owners nothing.
Local to Miami
Miami-Dade specialists who know the permits and programs.
Ready to upgrade with $0 down?
Tell us about your project and we'll match you with the right contractor and financing.