Which Malaysian banks offer commercial solar loans?

Major Malaysian banks offering commercial solar financing include Maybank, CIMB, RHB, Public Bank, and BSN. Most offer green financing packages with rates from 3.5% p.a. to 5.5% p.a. for commercial projects above RM 200,000. Trexon assists with the full application process and bank liaising.

What is the minimum project size for commercial solar financing?

Commercial solar financing is typically available for projects from RM 100,000 upward. For bank loans, most lenders require a minimum project size of RM 200,000–RM 500,000. PPA (Power Purchase Agreement) structures are generally suited for larger installations of 100 kWp and above. Smaller commercial projects may qualify for SME green loan schemes.

What is the difference between a PPA and a solar loan for commercial use?

A PPA (Power Purchase Agreement) requires zero upfront capital — Trexon owns and maintains the system, and you pay a fixed rate per kWh consumed, typically 20–30% below TNB tariff. 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 100% allowance on qualifying capital expenditure. This allowance can be offset against 70% of statutory income. Projects must use approved equipment and be registered with MIDA. Trexon provides full documentation support for GITA applications.

How long does commercial solar loan approval take in Malaysia?

Commercial solar loan approval typically takes 2–4 weeks from complete application submission. This includes credit assessment, site valuation, and bank internal review. Trexon prepares all supporting documents — energy audits, technical proposals, financial projections — to expedite approval. Pre-approved financing packages with selected banks can reduce this to 5–7 working days.

SOLAR FINANCING OPTIONS

Choose the best financing model for your business

Solar Financing — Free Eligibility Check

PPA, GITA, Islamic, EPF, Green Bank Loans. Find what fits in 60 seconds.

FEATURED: ZERO CAPEX PPA

Go Solar with
RM 0 Investment

Save 40-60% on electricity costs immediately. No upfront capital. No maintenance hassles. Just clean, cheap energy.

Zero Upfront Cost

Trexon finances, installs, and maintains the entire system

Immediate Savings

Start saving from Day 1 with lower electricity rates

No Performance Risk

We guarantee system performance - you only pay for actual production

Flexible Terms

15-25 year contracts with options at end of term

How PPA Works

Free Site Assessment

We evaluate your facility and energy needs

Custom PPA Proposal

Guaranteed savings, fixed rate, zero cost

Trexon Installs System

We handle everything - you pay nothing

Start Saving Immediately

Lower electricity rate from Day 1

20 Years of Clean Energy

We maintain, you save

COMPARE ALL FINANCING OPTIONS

Zero CAPEX PPA

Go Solar with RM 0 Investment

Upfront Cost:RM 0

Ownership:Trexon owns, you benefit

Maintenance:Included (Trexon handles)

Tax Benefits:Not applicable

Ideal For

Capital-constrained businesses
Companies prioritizing cash flow
Tenants (non-building owners)
Risk-averse enterprises
Listed companies (avoids balance sheet debt)

Pros

Zero upfront investment
40-60% immediate electricity savings
No maintenance costs
No performance risk

Cons

Don't own the system
No tax benefits (GITA, ITA)
Long-term contract (15-25 years)
Escalation clause (2-3% annual)

Outright Purchase

Maximum ROI & Full Ownership

Upfront Cost:RM 1.5M - 5M+

Ownership:You own the system

Maintenance:Your responsibility

Tax Benefits:GITA (60% tax allowance)

Ideal For

Companies with strong cash reserves
Businesses seeking maximum ROI
Long-term building owners
Companies wanting asset ownership
Enterprises eligible for GITA/ITA

Pros

Full system ownership
Maximum long-term savings (25+ years)
GITA: 60% tax allowance on capital expenditure
ITA: Investment Tax Allowance

Cons

High upfront capital required
Maintenance costs (RM 10-20K annually)
Performance risk on your balance sheet
Requires technical knowledge for O&M

Bank Financing

Own the System, Spread the Cost

Upfront Cost:RM 150K - 500K (10-30% down)

Ownership:You own the system

Maintenance:Your responsibility

Tax Benefits:GITA (60% tax allowance)

Ideal For

Moderate cash flow businesses
Companies wanting ownership without full upfront cost
Businesses with good credit rating
Enterprises eligible for green financing

Pros

Moderate upfront cost (10-30% down payment)
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

Solar Lease

Low Upfront, Fixed Monthly Payments

Upfront Cost:RM 0 - 100K

Ownership:Lessor owns, option to buy at end

Maintenance:Included

Tax Benefits:Lease payments may be tax-deductible

Ideal For

Businesses wanting low upfront cost
Companies preferring fixed monthly costs
Short-to-medium term facilities (10-15 years)
Businesses wanting flexibility

Pros

Low/zero upfront cost
Fixed monthly payments
Maintenance included
Option to purchase at end of lease

Cons

Don't own the system (until buyout)
Monthly payments higher than PPA
Long-term commitment (10-15 years)
Buyout cost at end of term
Limited GITA benefits

Not Sure Which Option Is Right for You?

Our solar financing experts will analyze your business needs and recommend the optimal financing structure.

Explore More Commercial Solar Resources

Commercial Solar Solutions

Complete commercial solar overview

Learn more

Case Studies

Real business results

Learn more

Submit RFP

Request for proposal

Learn more

ROI Calculator

Calculate your returns

Learn more

GITA Tax Incentive

Green tax allowance guide

Learn more

SOLAR FINANCING OPTIONS

Choose the best financing model for your business

Solar Financing — Free Eligibility Check

PPA, GITA, Islamic, EPF, Green Bank Loans. Find what fits in 60 seconds.

FEATURED: ZERO CAPEX PPA

Go Solar with
RM 0 Investment

Save 40-60% on electricity costs immediately. No upfront capital. No maintenance hassles. Just clean, cheap energy.

Zero Upfront Cost

Trexon finances, installs, and maintains the entire system

Immediate Savings

Start saving from Day 1 with lower electricity rates

No Performance Risk

We guarantee system performance - you only pay for actual production

Flexible Terms

15-25 year contracts with options at end of term

How PPA Works

Free Site Assessment

We evaluate your facility and energy needs

Custom PPA Proposal

Guaranteed savings, fixed rate, zero cost

Trexon Installs System

We handle everything - you pay nothing

Start Saving Immediately

Lower electricity rate from Day 1

20 Years of Clean Energy

We maintain, you save

COMPARE ALL FINANCING OPTIONS

Zero CAPEX PPA

Go Solar with RM 0 Investment

Upfront Cost:RM 0

Ownership:Trexon owns, you benefit

Maintenance:Included (Trexon handles)

Tax Benefits:Not applicable

Ideal For

Capital-constrained businesses
Companies prioritizing cash flow
Tenants (non-building owners)
Risk-averse enterprises
Listed companies (avoids balance sheet debt)

Pros

Zero upfront investment
40-60% immediate electricity savings
No maintenance costs
No performance risk

Cons

Don't own the system
No tax benefits (GITA, ITA)
Long-term contract (15-25 years)
Escalation clause (2-3% annual)

Outright Purchase

Maximum ROI & Full Ownership

Upfront Cost:RM 1.5M - 5M+

Ownership:You own the system

Maintenance:Your responsibility

Tax Benefits:GITA (60% tax allowance)

Ideal For

Companies with strong cash reserves
Businesses seeking maximum ROI
Long-term building owners
Companies wanting asset ownership
Enterprises eligible for GITA/ITA

Pros

Full system ownership
Maximum long-term savings (25+ years)
GITA: 60% tax allowance on capital expenditure
ITA: Investment Tax Allowance

Cons

High upfront capital required
Maintenance costs (RM 10-20K annually)
Performance risk on your balance sheet
Requires technical knowledge for O&M

Bank Financing

Own the System, Spread the Cost

Upfront Cost:RM 150K - 500K (10-30% down)

Ownership:You own the system

Maintenance:Your responsibility

Tax Benefits:GITA (60% tax allowance)

Ideal For

Moderate cash flow businesses
Companies wanting ownership without full upfront cost
Businesses with good credit rating
Enterprises eligible for green financing

Pros

Moderate upfront cost (10-30% down payment)
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

Solar Lease

Low Upfront, Fixed Monthly Payments

Upfront Cost:RM 0 - 100K

Ownership:Lessor owns, option to buy at end

Maintenance:Included

Tax Benefits:Lease payments may be tax-deductible

Ideal For

Businesses wanting low upfront cost
Companies preferring fixed monthly costs
Short-to-medium term facilities (10-15 years)
Businesses wanting flexibility

Pros

Low/zero upfront cost
Fixed monthly payments
Maintenance included
Option to purchase at end of lease

Cons

Don't own the system (until buyout)
Monthly payments higher than PPA
Long-term commitment (10-15 years)
Buyout cost at end of term
Limited GITA benefits

Not Sure Which Option Is Right for You?

Our solar financing experts will analyze your business needs and recommend the optimal financing structure.

Explore More Commercial Solar Resources

Commercial Solar Solutions

Complete commercial solar overview

Learn more

Case Studies

Real business results

Learn more

Submit RFP

Request for proposal

Learn more

ROI Calculator

Calculate your returns

Learn more

GITA Tax Incentive

Green tax allowance guide

Learn more

SOLAR FINANCING OPTIONS

Solar Financing — Free Eligibility Check

FEATURED: ZERO CAPEX PPA

Go Solar withRM 0 Investment

How PPA Works

COMPARE ALL FINANCING OPTIONS

Zero CAPEX PPA

Ideal For

Pros

Cons

Outright Purchase

Ideal For

Pros

Cons

Bank Financing

Ideal For

Pros

Cons

Solar Lease

Ideal For

Pros

Cons

Not Sure Which Option Is Right for You?

Explore More Commercial Solar Resources

Commercial Solar Solutions

Case Studies

Submit RFP

ROI Calculator

GITA Tax Incentive

SOLAR FINANCING OPTIONS

Solar Financing — Free Eligibility Check

FEATURED: ZERO CAPEX PPA

Go Solar withRM 0 Investment

How PPA Works

COMPARE ALL FINANCING OPTIONS

Zero CAPEX PPA

Ideal For

Pros

Cons

Outright Purchase

Ideal For

Pros

Cons

Bank Financing

Ideal For

Pros

Cons

Solar Lease

Ideal For

Pros

Cons

Not Sure Which Option Is Right for You?

Explore More Commercial Solar Resources

Commercial Solar Solutions

Case Studies

Submit RFP

ROI Calculator

GITA Tax Incentive

Go Solar with
RM 0 Investment

Go Solar with
RM 0 Investment