Turn a solar quote into a funded deal.
Submit your quote for offers, get prequalified and compare every way to pay for it — asset finance, rental, rent-to-own, PPA, subscription or your mortgage — non-binding until you accept.
EPCs get the same engine: an underwriting tool that turns every quote into a bankable financial proposal, one place to manage the deal flow, and a panel of lenders to submit to.
Free to start. No card required.
- Section 12B and other tax benefits are considered in the funder’s IRR — claimed by the system’s owner.
- O&M is carried by the funder; insurance is arranged by you, the customer.
Free for customers, end to end. Submitting a quote, your financial proposal, prequalification and receiving offers cost you nothing — there is no usage charge at any point.
Two sides of the same deal
Whichever side of the table you’re on.
A customer with a quote, or the EPC who issued it — here is where each side enters the flow.
For customers
Homes and businesses alike: get the solar quote you already have financed — solar, battery-only, generators, power quality and water solutions, anything power-related. Free and non-binding until you accept.
- Get your Financial Proposal — every way to pay, priced side by side
- Get comparative quotes from an accredited EPC, through your portal
Submit your quote, get finance offers
Have a solar quote already? Submit it and priced finance offers come back. No cost, no obligation, and no account needed.
Submit your quote →Prequalify yourself
An instant, no-obligation read on what you could likely finance, before any paperwork starts.
Check prequalification →No quote yet, or want to sanity-check the one you have? ArkFlow connects you with an accredited EPC for a comparative quote — request one in your client portal.
For EPCs
Underwrite every deal through the panel, and manage your customers’ deal flow in one place.
- Get Financial Proposals for every deal
- Handle your clients’ deals with access to the lender panel
- Admin-free platform — AI does the paperwork
- Get access to leads (with a paid seat)
Run the underwriting tool
The guided finance application: documents read and verified, prequalified, packaged and submitted to your own lenders or the ArkFlow panel.
Start an application →Manage your customers’ deal flow
Every deal in one pipeline: capture the quote, prequalify the buyer, build the financial proposal and track it through the lenders — free to start.
Start free →ArkFlow onboards you with the whole panel of lenders — one onboarding, every lender.
Four things, done properly
What ArkFlow does.
Submit your quote for offers
Customers submit the solar quote they already have and get finance offers back. EPCs submit a quote or proposal for offers, or manage their customers’ whole deal flow in one place.
Prequalify and strengthen every deal
A prequal and underwriting platform that turns a quote into a bankable financial proposal: prequalify the buyer, strengthen the deal, and collect exactly the documentation lenders ask for.
Every way to pay for solar
Every option priced against the same system, side by side.
A panel of lenders
The packaged deal routes to the client’s own bank, your own lenders, or the ArkFlow panel — the deal goes wherever it fits.
Meet the panel →The deal funnel
How your deal flows.
Ten steps from quote to commissioned — and the first five cost nothing and commit you to nothing.
- 1
Submit quote
From an EPC, or yourself as an individual.
- 2
Get your Financial Proposal
Your quote priced across every finance option.
- 3
Accept + prequalify
An instant, no-obligation pre-vet of the deal.
- 4
Quick application
One free profile; your documents read themselves.
- 5
Get offers
Real offers back from the lender panel.
- 6
Accept offer
The only commitment in the whole funnel.
- 7
Finalise finance application
The lender completes underwriting on the packaged deal.
- 8
Sign contract
The finance documentation, ready to sign.
- 9
Install
Your EPC installs the system.
- 10
Commission
Switched on, signed off and producing.
Everything upstream of your offers is free and non-binding. Accepting a lender’s offer is the only commitment you make.
- 1
Create account
Free to start, no card required.
- 2
Onboard
ArkFlow onboards you with the whole panel of lenders.
- 3
Run deals on the platform
Capture quotes, prequalify buyers, build financial proposals.
- 4
Get access to lenders
Offers come back on your deals from across the panel.
- 5
Fast-track applications
One vault, one lender-ready pack, answers upfront.
Fast-track the application
Weeks of lender back-and-forth, cut to a single pack.
The old way
- Documents lying everywhere — inboxes, WhatsApp, a memory stick
- The deal goes to the lender untested, and bounces back
- Weeks of silence, then a request for one more document
- Every lender conversation on a different channel
With ArkFlow
- Every document in one vault, packaged into a lender-ready summary report and sent as one pack
- Prequalification pre-vets the deal first — see upfront whether it is likely to fly or needs strengthening
- Missing paperwork is flagged before submission, not after
- All communications in one organised thread per deal
Admin-friendly. Farmer-friendly. CFO-friendly.
Simple enough to run from the farm gate, rigorous enough for the CFO — every number is deterministic and shows its working.
Every way to pay for solar
Own it, or just use it.
Choosing comes down to one question: do you see solar as a long-term asset you want to own, or a monthly utility you just want to use?
The system ends up on your side of the fence.
Asset finance
Also called: instalment sale, equipment finance, solar loan
- Lowest total cost of ownership
- Commercial buyers can claim the Section 12B tax deduction
- You pay
- Fixed monthly instalment on a bank loan or instalment sale
- Upfront
- Possible deposit of around 10%
- Term
- 3–7 years
- Maintenance
- Yours — you arrange insurance (quoted separately)
The system adds value to your property.
Add to bond
Also called: add to home loan, mortgage add-on, bond extension, home-loan readvance
- Usually the cheapest debt — home-loan rates
- One debit order, inside the bond you already pay
- You pay
- Added to your monthly bond repayment, at home-loan rates
- Upfront
- Zero — funded from your home loan
- Term
- Paid over your bond term
- Maintenance
- Yours
Rent-to-own
Also called: lease-to-own, rent2own
- No capex to find upfront
- A clear path to ownership
- Balance-sheet friendly
- You pay
- Slightly higher monthly — every payment builds toward the purchase
- Upfront
- Typically zero
- Term
- 5–15 years, then yours for a small pre-agreed fee
- Maintenance
- Yours — you arrange insurance (quoted separately)
The provider owns the hardware; you pay for the use or the power.
Rental / operating lease
Also called: solar rental, operating lease
- Full flexibility — return, renew or upgrade
- Insurance and maintenance included
- Off balance sheet
- You pay
- Fixed monthly rental
- Upfront
- Zero
- Term
- Return, renew or upgrade at term end
- Maintenance
- Insurance and O&M bundled into the fee
Pure flexibility — no ownership ever transfers.
Subscription
Also called: solar subscription
- One all-in fee — insurance and maintenance included
- Renew or buy the system out after the term
- You pay
- One all-in monthly fee
- Upfront
- Zero
- Term
- 5-year subscription — renew or buy out at the end
- Maintenance
- Insurance and O&M bundled into the fee
PPA
Also called: power purchase agreement, pay-per-kwh
- Pay only for what the system produces
- Performance risk sits with the provider
- Yours at the end of the term
- You pay
- Pay per kilowatt-hour produced
- Upfront
- Zero
- Term
- 10–20 years
- Maintenance
- Insurance and O&M bundled into the fee — the provider owns and operates it
Ownership typically transfers to you at the end of the term, with early buyout options commonly from around year 5.
The panel, for every deal
Every leading bank. Every way to pay.
The deal routes to the lenders it fits — and only to them. A quote is not a deal until a lender funds it — ArkFlow packages your application and, with your consent, it goes where it has the best chance.
Your client's bank
Apply directly to the bank your client already trusts.
Your own lenders
Keep applying to the lenders you already work with. No deal fee.
The ArkFlow panel
Tap ArkFlow's own network of lenders, open to every deal.
What matters, in order
The three things you actually came for.
Access to lenders
One application reaches the whole panel — the major banks and the specialist solar funders. Offers come back against your deal, side by side, and you choose.
- The major SA banks and the specialist funders, one onboarding
- Offers compared on rate, term and total cost in one view
A financial proposal that is quick — and accurate
Minutes to produce, priced the way lenders price it: the proposal simulates each funder’s own structures, so the number you see tracks the offer you get.
- Every lending option priced against the same system
- Versioned snapshots — what you saw never silently changes
“It fills in forms and drafts starting points. It never decides a number on its own. Every calculation in ArkFlow is deterministic, tested, and shows its working.”
An application without the admin
AI-assisted and zero-fill: upload what you already have and around 70 document types read themselves. You confirm what the scan is unsure about — you never retype.
- Documents read and verify themselves
- One free profile; your details carry across every step
For EPCs: paste your website address and your brand applies to every client-facing page and PDF, and a WhatsApp assistant answers your clients from your own site and deal data.
Pricing
Free to start. Pay only for extra people.
A free owner account, free seats for every field crew, and paid seats only for the extra people running deals.
Owner account
The whole platform, one user, no card.
- Full access to the whole platform
- Lead capture, pipeline and CRM
- Guided client finance application
- Submit to lenders and banks
Field seat
Crews and site inspectors cost you nothing.
- Assigned tasks and day sheets
- Mobile, install it like an app
Sales seat
Each extra person running deals.
- Everything in the owner account
- Shared CRM: contacts, custom fields, saved views
- Tasks, automations and WhatsApp inbox
- Email threaded per deal
Customers never pay to use ArkFlow — getting a quote financed is free end to end, with no usage charge at any point.
Full pricing detail →Go deeper
The two jobs, each on its own page.
What is ArkFlow?+
ArkFlow is a solar finance platform. Customers submit their solar quote, get prequalified and receive real finance offers, non-binding until they accept. EPCs get a prequal and underwriting platform that turns every quote into a bankable financial proposal, access to every lending option, and a panel of lenders to submit to.
Is ArkFlow only for EPCs, or can I use it if I just want solar for my home or business?+
Both. If you are going solar yourself, ArkFlow is where you submit your quote, get prequalified and see finance offers directly, free and non-binding until you accept. If you run an EPC, ArkFlow gives you an underwriting tool for every deal, a panel of lenders, and one place to manage your customers’ deal flow.
What lending options can ArkFlow price?+
Asset finance, rental, rent-to-own, PPA, subscription and adding the system to a mortgage. Every option is priced against the same system side by side, so the buyer compares ownership and monthly cost in one view before choosing a structure.
Can I finance a battery-only system, or something other than solar?+
Yes. Battery-only deals are financed, along with generators, power-quality equipment and water solutions — anything power-related qualifies. The funnel is the same: submit the quote, get a financial proposal and receive offers.
Which countries does ArkFlow work in?+
ArkFlow works across South Africa, nationwide, and in the SADC region: Lesotho, Eswatini, Mozambique, Zambia, Zimbabwe, Malawi, Namibia and Botswana. Cross-border deals carry per-country configurations, including USD-denominated PPA and rental structures.
Ready to flow?
Get your solar quote financed, or get the underwriting tool and the lender panel behind every deal you sell. No card required either way.