Finance
Heat pump economics do not stop at equipment cost and annual savings. Debt terms, ownership structure, incentive timing, tenant-landlord splits, performance guarantees, and service contracts can determine whether a technically sound project is financeable.
Each of these pieces translates technical savings into the cash-flow, risk-allocation, and decision metrics used by owners, lenders, facility managers, and service providers.
How the HPaaS model bundles equipment, installation, and long-term maintenance into a monthly service fee — which building profiles it actually fits, and who’s currently operating (BlocPower, with candid notes on its 2026 corporate status).
The three shapes of homeowner financing in 2026: Palmetto’s Comfort Plan subscription (with Tetra as the installation face), Breeze Lease Purchase lease-to-own credit, traditional loans, and Sealed’s pivot out of the direct-to-consumer market.
Why EaaS — typically a holistic building-service contract — keeps landing on heat pumps in Local Law 97 and similar decarbonization markets, how the market is growing (7.7%–13.9% CAGR), and how Redaptive, Budderfly, Johnson Controls, and Metrus actually differ.
How mission-driven lenders (NEIF EnergyPlus) and point-of-sale platforms (GoodLeap) structure low-interest or “stacked” financing tailored to sustainable upgrades — long-term fixed rates without property liens, and installer-bundled solar-plus-heat-pump financing.