1KOMMA5° is making up to €1 billion available to finance home energy systems in Germany
Homeowners can install solar, batteries, heat pumps and EV chargers without large upfront payments, says the company.
The financing package includes access to the company’s Heartbeat AI, which it says helps optimize energy use and savings
German clean energy company 1KOMMA5° has launched a new financing program worth up to €1 billion. It says the program targets homeowners to help them install solar panels, battery energy storage systems (BESS), heat pumps and EV chargers without paying the full cost upfront.
The company said customers can spread payments over up to 25 years through monthly installments while becoming the direct owners of the equipment.
The program, launched in collaboration with undisclosed European investors and banks, is available immediately across Germany and includes access to the company's Heartbeat AI energy management platform.
According to 1KOMMA5°, the financing option is designed as an alternative to rental and leasing models. The company said customers can make free early repayments, while qualifying households may also receive additional support.
“We have always been open critics of expensive rental and leasing offers. These offers have caused significant damage to our industry, as customers are trapped in long-term contracts and pay many times the value of a solar system or heat pump over the term of the contract. We are deliberately choosing a counter-model here, with the aim of offering the lowest monthly rates for the highest quality product,” said 1KOMMA5°CFO and Co-Founder Micha Grüber.
The company said the financing program is integrated with its Heartbeat AI energy management platform, which it says is designed to optimize household energy systems and reduce electricity costs. According to CEO and Co-Founder Philipp Schröder, customers can install Heartbeat AI-enabled solar and storage systems without upfront capital, with monthly savings often exceeding financing payments.
“With the announced start of direct marketing in 2027, the savings through Heartbeat AI will be even higher,” added Schroeder.
Schröder's comment refers to proposed changes that could expand direct marketing for new rooftop solar systems from 2027.
Direct marketing in Germany refers to selling solar electricity directly into power markets rather than receiving a fixed feed-in tariff (FIT). Proposed reforms under the General Charges System for Electricity (AgNes) could expand the role of direct marketing for new rooftop solar systems from 2027, a move that has sparked debate within the industry. While 1KOMMA5° has welcomed the proposal, some industry stakeholders argue that replacing FITs before smart metering and market infrastructure are fully established could create uncertainty for residential solar investments (see Solar, Storage Stakeholders Differ On Germany’s Grid Overhaul).