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SMALL BUSINESS LOANS
Take your business to new heights with our small business loans. Our team of financial experts is here to guide you through the process and help you secure the funding and protection you need. Please fill out the form below to schedule a consultation with one of our advisors.
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We invite you to use our online application for a quick approval process. With just four simple pre-qualification questions and five easy steps, you can complete the process in about 10 minutes without affecting your credit score. Discover why businesses trust ACCOOE Enterprise and ARF Financial for their financing needs.

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How much can I save by switching to solar?Many solar users typically experience substantial savings throughout the lifespan of their solar system. The extent of these savings is contingent upon various factors, including the size of your solar setup, the sunlight exposure your residence receives, your utility company's electricity rate, participation in solar buyback and net metering programs, and the availability of incentives in your locality.
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How long will my solar panels last?Solar panels are engineered for long-term durability, with most manufacturers providing a 25-year warranty. However, these panels frequently maintain power generation capabilities even beyond this timeframe, albeit with a slight decrease in efficiency.
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What if my roof doesn't have good sunlight exposure due to clouds?Solar panels do not solely rely on direct sunlight for electricity generation; they can still produce power during cloudy or overcast days. Nonetheless, the electricity output is directly correlated with the sunlight received. Our team can assess your roof's exposure to determine its compatibility with solar energy.
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Will I still have an electric bill after switching to solar?Yes - If your system is connected to the grid, you'll continue to receive a bill from your utility provider. During periods when your system isn't generating energy, your home will draw electricity from the grid to fulfill its needs. If your system produces more power than you consume, the surplus will be sent back to the grid, potentially resulting in credits from the utility company and further reductions in your bill.
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What is Net Metering and how does it work?Net metering operates as a billing mechanism that compensates owners of solar energy systems for the electricity they contribute to the power grid. When your solar panels generate surplus electricity surpassing your consumption, this excess power is fed back into the grid, resulting in a credit applied to your utility bill. The extent of this credit is contingent upon the policies of your particular utility company.
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What are the Federal Tax credits available?The Solar Investment Tax Credit (ITC) is a federal tax incentive enabling homeowners to subtract a portion of their solar expenses from their tax liability. Utilizing this tax credit during the filing process can result in decreased or potentially eliminated tax obligations for homeowners. Notably, the ITC value has recently been increased from 26% to 30%, adding to the allure of transitioning to solar energy.
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What does it cost to power an entire house?Based on data from the Center for Sustainable Energy, the costs of residential solar panel systems can vary significantly. This calculation is based on a system capable of generating five kilowatt-hours of energy, with an average cost ranging from $3 to $5 per watt. Several factors can influence whether your specific solar system falls on the higher or lower end of this scale, or even beyond. Firstly, the choice of solar panels can greatly impact the overall cost, considering variations in brand and power capacity. Additionally, it's crucial to recognize that solar incentives differ based on your location within the country. Nationally, there's an opportunity to capitalize on the solar investment tax credit (ITC) if you act promptly. This incentive previously offered a 30% tax deduction for homeowners installing solar panels, but it reduced to 26% in 2020, further declining to 22% in 2021. Subsequently, the ITC is slated to expire. Update: In August 2022, the solar tax credit was reinstated to 30% and extended through 2032. On a state-by-state basis, diverse solar energy incentives exist. States like California provide generous rebates for homeowners adopting solar batteries, along with a net energy metering program and property/sales tax exemptions, aiding in cost reduction. Conversely, some states offer minimal or no solar incentives. For detailed information on incentives and rebates available in your state, refer to the Database of State Incentives for Renewables & Efficiency (DSIRE) website.
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How many panels are needed to power an entire house?Determining the specific requirements for a solar power system involves considering various factors. In general, the average homeowner typically needs approximately 30 solar panels to fully power a house. It's crucial to recognize that the precise power needs vary based on your location and the type of solar panels chosen. According to the U.S. Energy Information Administration, the typical American residential customer consumes just under 11,000 kilowatt-hours annually. While certain regions receive more daily hours of direct sunlight on average, a solar system comprising 30 250-watt panels is generally sufficient to power the average American home. However, this estimate can significantly fluctuate depending on your home's size, daily sun exposure, insulation quality, appliance efficiency, and other factors. The wattage of your panels is another variable to consider. Contemporary solar panels can produce up to 400 watts, or even more. For instance, if you reside in a sun-rich area like Arizona and opt for 400W solar panels, powering your entire home could be achieved with approximately 20 panels.
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