Model your project savings and peak-demand reduction
Calculate ROICommercial Solar Financing Malaysia: Purchase, Finance Lease, GITA and Green Bank Loans
Choose the right financing model for your business
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Solar Financing — Eligibility Check
Equipment Lease, GITA, Credit Card, Green Bank Loans. Find what fits in 60 seconds.
HOW A SOLAR PPA WORKS
A PPA Needs a
Third-Party Owner
Under a PPA, a third-party asset owner owns the system on your roof and sells you its output. Trexon's own routes are outright ownership (GITA-eligible) or a finance lease.
Ownership vs PPA
COMPARE ALL FINANCING OPTIONS
Solar PPA (explainer)
Requires a third-party asset owner
Ideal For
- Tenants that cannot own assets on the roof
- Businesses comparing a PPA against ownership
Pros
- You do not buy the system
- Per-kWh rate set in the PPA contract
- O&M is usually the asset owner's responsibility
- Rate structure fixed by contract
Cons
- You don't own the system
- No GITA for the offtaker
- Long-term contract (often 15-25 years)
- May include an annual escalation clause
- Not offered directly by Trexon: Trexon's own routes are ownership or a finance lease
Outright Purchase
Full Ownership
Ideal For
- Companies with strong cash reserves
- Businesses seeking maximum ROI
- Long-term building owners
- Companies wanting asset ownership
- Companies eligible for GITA
Pros
- Full system ownership
- Long-term savings (25+ years)
- GITA: allowance of 60% of qualifying capex, against up to 70% of statutory income
- Solar ATAP export credits at the monthly Average SMP
Cons
- High upfront capital required
- O&M costs set out in your proposal
- Performance risk on your balance sheet
- Requires technical knowledge for O&M
Bank Financing
Own the System, Spread the Cost
Ideal For
- Moderate cash flow businesses
- Companies wanting ownership without full upfront cost
- Businesses with good credit rating
- Enterprises eligible for green financing
Pros
- Down payment set by the bank
- Own the system after loan term
- GITA tax benefits
- Loan interest may be tax-deductible
Cons
- Monthly loan payments for 5-10 years
- Interest costs reduce ROI
- Debt on balance sheet
- Maintenance costs
- Credit approval required
Equipment Lease
You own the system — 2 to 5 years, rates set by the lender (Mitsubishi HC Capital)
Ideal For
- Commercial and industrial sites only
- Businesses that want the asset on their own balance sheet
- Companies that want to claim GITA themselves
- Payback horizons that suit a 2-5 year term
Pros
- Financed by Mitsubishi HC Capital, a leasing company
- You own the system at the end of the term
- Capital allowance and GITA remain yours to claim
- Fixed monthly payment for the whole term
Cons
- Not available to residential customers
- Rates and instalments are set by the lender at credit approval — ask for the total payable, not just the rate
- Subject to the lessor's credit approval
- Monthly payments higher than a PPA, because you end up owning the asset
- Term is capped at 5 years, so the monthly is larger than a 10-year loan
Not Sure Which Option Is Right for You?
The Trexon team will review your business needs and set out the financing routes that fit.
Frequently Asked Questions
Which Malaysian banks offer commercial solar loans?
Several Malaysian banks offer solar or green financing; for example, Maybank Solar PV Financing offers up to RM100,000 for up to 10 years at a floating rate. Terms and rates change, so check current terms with the bank. Trexon's own finance route is a finance lease through Mitsubishi HC Capital Malaysia (2 to 5 years, you own the system), subject to the lessor's credit approval.
What is the minimum project size for commercial solar financing?
The minimum project size depends on the lender. Trexon's own routes, outright purchase and the Mitsubishi HC Capital finance lease, are priced per project from your TNB bills. Send your bills for a free quote.
What is the difference between a PPA and a solar loan for commercial use?
A PPA (Power Purchase Agreement) requires no upfront capital for the system — a third-party asset owner owns and maintains it, and you pay a per-kWh rate set in the PPA contract. Trexon does not offer PPAs; its own routes are ownership or a finance lease. A solar loan means you own the system outright after repayment and capture 100% of savings, but requires upfront financing. PPA suits businesses prioritising cash flow; loans suit those maximising long-term ROI and GITA tax incentives.
Is commercial solar eligible for GITA (Green Investment Tax Allowance)?
Yes. Qualifying commercial solar installations in Malaysia are eligible for GITA (Green Investment Tax Allowance), which provides a 60% Tier 2 allowance on qualifying capital expenditure (100% Tier 1 applies to BESS and EV charging infrastructure, not solar). This allowance can be offset against 70% of statutory income. Equipment must be listed on the MyHIJAU directory, and the application is submitted to MGTC after the system is commissioned, by 31 December 2026. Trexon provides full documentation support for GITA applications.
How long does commercial solar loan approval take in Malaysia?
Approval time depends on the bank or lessor and on how complete your application is. Trexon prepares the technical proposal and financial projections to support your application. Check current terms with the bank.