Solar finance for installers, businesses and farms in South AfricaSolar, financed.

ArkFlow is a solar finance platform. Customers submit their solar quote, get prequalified and receive real finance offers, non-binding until they accept. EPCs get a prequal and underwriting platform that turns every quote into a bankable financial proposal, access to every lending option, and a panel of lenders to submit to.

Yes. Solar as a service for estates is offered: a residential estate or body corporate runs one deal for shared infrastructure, priced on the usage models (rental or PPA-style structures), with the provider owning and maintaining the plant. Submit the estate’s quote the same way and the options come back priced side by side.

A power purchase agreement (PPA) charges you per kilowatt-hour the system produces rather than for the hardware. There is zero upfront cost, and the provider owns, operates and maintains the plant over the 10 to 20 year term. On ArkFlow, PPAs are offered on commercial deals.

Section 12B is the Income Tax Act allowance that lets a business deduct qualifying renewable energy assets it owns. If you own the system (through asset finance or rent-to-own), you may be able to claim it yourself. In the usage models (PPA, rental and subscription) the tax benefit is typically priced into the funder’s return rather than claimed by you. We are not tax professionals. Confirm your position with your own advisor.

The panel covers the major South African commercial banks, an agricultural development lender, a Shariah-compliant bank, and specialist funders for asset finance and instalment sales, rentals and operating leases, commercial PPAs and rent-to-own, Section 12B solar investment funds and residential subscriptions. We do not publish the panel by name: which lenders see your application depends on how you want to own the system, and you see exactly who it went to once you submit.

Prequalification screens the deal before any lender sees it. ArkFlow runs affordability, a credit scorecard and KYC screening, analyses bank statements and financial statements, and produces a prequalification read: a deal strength score with the financial ratios behind it, so you see the deal’s risk profile, and what would strengthen it, before submitting. It is client-facing too: start with the simple view, or go in depth for a full application and financial vetting. You run it from your client portal: create your free account when you submit your quote, and prequalification is one of the first steps inside it.

It starts with two steps: create a free account, and ArkFlow onboards you with the whole panel of lenders: one onboarding, every lender. From there you run deals on the platform, offers come back on your deals from across the panel, and every application is fast-tracked: one document vault, one lender-ready pack.

No. As an originator you package and submit the deal; the licensed lender does the underwriting, issues the offer and carries the credit risk. Indicative figures shown during origination are indicative only and not a credit offer.

Nothing to use. The platform is free for your whole team: no monthly software fee, no fee per user, and no fee to receive leads. ArkFlow earns only on success, through a 1% finance origination fee when a deal is successfully funded through the platform, and a 3% lead origination commission on deals where ArkFlow brought you the lead.