SOCO CAPITAL provides purpose-built financing structures for commercial, industrial, mining, and agricultural energy projects — enabling businesses to access clean energy immediately without balance-sheet strain.
Every business is different. SOCO CAPITAL offers three core financing structures, each designed to match specific cashflow, ownership, and risk profiles.
R0 upfront · Fixed monthly rental · Ownership at term end
SOCO ENERGY installs and owns the solar and BESS system. You pay a fixed monthly rental — typically structured to be lower than your current electricity cost. At the end of the contract term, full ownership transfers to your business at zero additional cost.
Pay per kWh · Below-tariff rate · Ownership transfer at term end
You purchase the energy generated by the solar system at a fixed rate per kilowatt-hour — 20–40% below your current Eskom or municipal tariff. SOCO ENERGY owns and operates the system throughout the agreement. Ideal for businesses that prefer an energy service over asset ownership.
Asset-backed finance · Custom structures · Large-scale projects
For larger C&I, mining, or agricultural projects where the business prefers to own the asset outright, SOCO CAPITAL facilitates access to project finance, asset-backed lending, and bespoke debt structures in partnership with leading South African financial institutions.
We analyse your 12-month consumption data, site conditions, and tariff structure. You receive a detailed proposal showing projected savings, system size, and RTO payment schedule within 5 business days.
Once you accept the proposal, SOCO CAPITAL conducts a straightforward credit assessment. Most commercial entities qualify. A Rental Agreement is signed — no complex loan documentation required.
SOCO ENERGY's in-house EPC team designs and installs the system. Typical project timelines are 12–24 weeks from contracting to commissioning.
From commissioning, you pay a fixed monthly rental — typically lower than your previous electricity cost for that energy. Payments escalate at 6% per year.
At month 61 your rental drops by 35–50%, reflecting the reduced financing obligation. Payments continue at this lower rate — with 6% annual escalation — through to month 120. The system keeps generating savings throughout.
At month 120 (year 10), full legal ownership of the solar and BESS system transfers to your business at zero additional cost. You then continue to benefit from free solar energy for the system’s remaining 15–20 year life.
The most accessible financing path for commercial energy — designed to deliver immediate savings with zero capital outlay and a clear path to ownership.
We analyse your consumption patterns to design a solar system sized for your actual demand. A PPA rate is calculated that guarantees savings against your current tariff from day one.
A Power Purchase Agreement is executed — a well-established legal structure used globally and by major South African financial institutions. SOCO ENERGY takes on all project risk.
SOCO ENERGY installs, commissions, and connects the system. You pay nothing during installation. The meter starts running from commercial operation date.
Each month, you receive an invoice for the kWh generated and consumed at the agreed PPA rate. SOCO ENERGY handles all monitoring, maintenance, and performance guarantees.
A clean, off-balance-sheet energy service that converts your electricity cost into a predictable, below-tariff expense — with no asset ownership or maintenance obligations.
SOCO CAPITAL models the project economics, Section 12B tax benefits, and optimal debt structure for your business. We prepare a bankable financial model for funder submission.
SOCO CAPITAL's relationships with South African banks, DFIs, and specialist asset financiers enable us to source competitive terms for your project.
On credit approval, SOCO ENERGY's EPC team begins procurement and construction. The asset is registered to your business from commissioning.
Your monthly electricity savings effectively service the loan. The net cashflow impact is typically positive from month one, with full ownership and no liabilities at loan term end.
For businesses that want full ownership and maximum long-term return, structured debt delivers the best lifetime economics — particularly when the Section 12B allowance (100% depreciation in year 1) is applied.
| Feature | Rent-to-Own | PPA | Debt Finance |
|---|---|---|---|
| Upfront capital required | R0 | R0 | Deposit required |
| Ownership transfer | ✓ At term end | ✓ At term end | ✓ From day 1 |
| Balance sheet impact | Off-balance-sheet | Off-balance-sheet | On-balance-sheet |
| Section 12B tax benefit | — | — | ✓ 100% year 1 |
| Maintenance responsibility | SOCO ENERGY (full term) | SOCO ENERGY (full term) | Client or SOCO ENERGY O&M |
| Typical contract term | To month 120 (10 yrs) | 10–20 years | 3–7 years |
| Energy cost saving | 20–40% | 20–40% | 30–60%+ |
| Best suited for | SMEs & C&I | Large C&I, REITs | Asset-owning businesses |
SOCO CAPITAL was established to remove the single biggest barrier to commercial energy adoption — upfront cost. By combining deep EPC expertise with structured finance capability, SOCO can structure, fund, and deliver energy assets as a complete service.
All financing proposals are modelled against real consumption data and current tariff schedules to ensure guaranteed savings from day one. No assumptions, no estimates — every proposal is site-specific.
Talk to SOCO CAPITALEvery financial model is built on your actual 12-month consumption data — not industry averages.
Financing structures are designed to be cashflow-positive from month one — it's in our interest too.
RTO, PPA, debt, or hybrid — SOCO CAPITAL will recommend the structure that best fits your cashflow and tax position.
Indicative proposal within 48–72 hours of receiving your electricity invoices. Credit approval typically within 2 weeks.