01 · Solar investment
02 · Financeit bridge
03 · Refinancing
04 · Riverside pricing
Merchant and acquisition fees are calculated on the pre-tax selling price. Confirm actual fee bases in your agreements.
Financed amount including tax—Based on adjusted project price
Financeit balance at month 48—Remaining principal
Financeit first-month net savings—Electricity savings less loan payment
Riverside selling fees—Commission + acquisition + merchant
20-year accumulated net cash flow
Customer cash position: avoided electricity purchases minus financing payments and cash contributions. Opportunity cost is shown separately below.
Customer scenario comparison
| Scenario | Year 1 | Year 5 | Year 20 | Debt at year 20 |
|---|
Positive cumulative cash flow is not a guarantee of investment return. Financing rates and savings are adjustable assumptions.
Financeit transition details
Riverside pricing impact
Assumptions and limitations
This is an independently developed Riverside calculator modeled on the general comparison approach of the referenced CodePen, not a copy of its source. It assumes a fixed monthly promotional payment, nominal APR divided by 12, no financed origination fees, no prepayment penalties, no solar maintenance or replacement costs, and full availability of estimated savings. Refinancing is not guaranteed. The 14% reset is modeled as a rate change with the same payment unless changed by contract; real Financeit terms may differ. A payment that does not cover interest creates negative amortization. GST/tax treatment and the merchant fee base must be verified for each transaction. This tool does not model the tax implications of home financing.