With the One Big Beautiful Bill Act now in effect, several federal tax credits for commercial energy upgrades are set to expire. Some, like the 179D deduction, which is for installing energy-efficient systems such as HVAC, lighting, or insulation, require projects to begin construction before mid-2026. These credits give building owners a chance to lower their tax bill based on the energy performance of their upgrades, creating real savings at tax time. Businesses that act now may qualify for federal tax credits covering up to 30% of the cost of eligible energy upgrades.
For those customers who don’t act fast enough, there’s still GoGreen Financing. Whether you’re managing a project during this final incentive window or planning ahead for 2026, GoGreen offers flexible financing options for both residential and commercial projects. Our solutions help engage hesitant homeowners and start new projects with confidence. And with support for a wide range of upgrades, GoGreen helps ensure your customers can move forward, tax credit or not.
Below, find a short list of tax credits that are expiring at the end of the year, as well as an illustration of how these tax credits, combined with GoGreen Financing, can save customers money — and how even without the tax credit, GoGreen Financing can save your customers money when compared with standard market offerings.
Tax Credits Expiring at the end of the year:
| Tax Credit | What It Covers | Credit Amount |
|---|---|---|
| Clean Energy Investment Tax Credit (Section 48) | Commercial solar PV and battery storage systems | 30% of total project cost |
| Energy-Efficient Commercial Building Deduction (Section 179D) | Energy-saving improvements to HVAC, lighting, and building envelope | Up to $5.00 per square foot |
| New Energy Efficient Home Credit (Section 45L — Multifamily) | Construction or renovation of ENERGY STAR or Zero Energy Ready Homes | Tax credit to the builder or developer (amount varies) |
Here’s how these tax credits can reduce the bottom line for your customers. In this example, a small business wishes to install a solar PV system and use the Clean Energy Investment Tax Credit. The system installation cost is $75,000, and the desired term length for payback is 7 years. This example assumes that proceeds from the 30% tax credit ($22,500) are applied to the financing principal, resulting in a new, lower principal.
| Loan Details | Standard Loan (10.75%) | GoGreen without Tax Credit (8.75%) | GoGreen + Tax Credit (8.75%) |
|---|---|---|---|
| Total Project Cost | $75,000 | $75,000 | $75,000 |
| Loan Amount | $75,000 | $75,000 | $52,500 |
| Interest Rate | 10.75% | 8.75% | 8.75% |
| Loan Term | 7 years | 7 years | 7 years |
| Monthly Payment | $1,197.19 | $1,120.03 | $789.36 |
| Total Interest Paid | $25,563.70 | $19,072.39 | $13,801.99 |
| Total Cost to Business | $100,563.70 | $94,082.39 | $66,301.99 |
| Compared to Standard Loan | — | $6,481.31 saved | $34,261.71 saved |
Even after tax credits expire, GoGreen helps your customers save. With lower rates and longer terms, GoGreen keeps projects affordable and moving forward.
Ready to get started? Explore Financing Options.
Ready to enroll and start offering GoGreen Financing? Start by visiting the Business Contractor Resources page for links to the application and training.