Pay one monthly fee. We handle the rest.
Reef's most comprehensive model — one bundled monthly payment covering all equipment, installation, maintenance, monitoring, and guaranteed performance. Pay for outcomes, not hardware.
- Reef or funder retains full ownership throughout the contract term
- Performance guarantees are written into the service agreement
- All maintenance, repairs, and replacements are included
- Payments are expensed as OpEx — no balance sheet impact
- At term end: renew, upgrade, or purchase at fair market value
Energy-as-a-Service is a pay-for-performance model. Reef and our funder (Redaptive) own the equipment, carry the risk, and guarantee the results. You make a single monthly payment that's structurally lower than your current combined energy and maintenance spend. It's fully off-balance-sheet, treated as an operating expense, with no residual liability at term end.
Keep CapEx intact. Protect your ratios.
Off-balance-sheet financing where the funder retains ownership of equipment. Reef designs, installs, and hands over operations. You make fixed monthly payments treated as a rental expense.
- Funder retains ownership — you hold no residual asset or liability
- Payments are treated as an operating expense (rental)
- Balance sheet impact is potentially off — depends on accounting treatment
- Fixed term with agreed end-of-term options
- Return, renew, or purchase at fair market value at term end
The funder (Armada Credit Group) purchases the equipment and rents it to you under a fixed-term operating lease. Because the funder retains ownership and the residual risk, the obligation may remain off your balance sheet — preserving your debt ratios and CapEx headroom. Reef arranges access to extended 15-year terms through our Armada relationship, significantly beyond what most equipment lessors offer.
Use it now. Decide later.
Fixed-term rental with predictable monthly payments. Gives you full use of cutting-edge equipment now, with options to extend, upgrade, or return when the term ends.
- Fixed-term rental agreement — funder retains title throughout
- At end of term: extend the hire, upgrade to newer equipment, or return
- Well-suited to fast-evolving technology (LED controls, battery management)
- Payments expensed as a rental — no asset or liability on your balance sheet
- Maintenance packages available to bundle coverage alongside the hire
Lease Hire is a rental arrangement — the funder retains title throughout. It suits businesses that want to avoid technology lock-in, plan for equipment refresh cycles, or have tenancy arrangements that make long-term ownership unsuitable. Payments are fixed, cash-flow predictable, and treated as an expense. Our Armada relationship unlocks terms up to 15 years — ideal for systems with long productive lives.
Own the asset. Over time.
Acquire ownership of energy infrastructure through fixed monthly payments over the contract term. Title transfers to you at the end — no buyout needed.
- Full ownership transfers to you at the end of the term — no residual buyout
- Fixed monthly payments sized to be less than your current energy spend
- Asset sits on your balance sheet — you capture the depreciation benefit
- Reef handles all design, permitting, installation, and commissioning
- Maintenance packages available to add coverage throughout the term
Lease Purchase is structured like a hire-purchase or equipment loan, except Reef manages all the design, permitting, and installation on your behalf. You make fixed monthly payments over the term, and at the end you own the asset outright. Because you are acquiring the asset, it sits on your balance sheet — but so does the depreciation benefit, which can be material for solar and battery systems.
Buy the power. Not the panels.
Reef installs and owns the solar and/or battery system. You buy the electricity it generates at a fixed per-kWh rate that is below your current utility price — for the life of the agreement.
- Reef or Redaptive owns and operates the solar/battery generation asset
- You pay a fixed $/kWh rate for electricity produced — well below utility price
- Rate is locked for 20–25 years — full protection against utility rate inflation
- All maintenance, monitoring, and insurance is bundled — zero operational burden
- Tax credits and incentives are captured by the asset owner and reduce your rate
Under a PPA, Reef (through Redaptive) owns, operates, and maintains the generation asset. You purchase the electricity it produces at a contracted rate — locked in for 20–25 years. That rate is set below your current utility tariff, so savings begin from day one. All incentives (ITC, SGIP, utility rebates) are captured by the asset owner and passed through as a lower rate to you.
Specialist funders. Matched to your structure.
Reef designs and delivers energy infrastructure. Our network of specialist funders provides capital — each with a distinct focus and structure.
Plus a wider network of regional lenders, community banks, and specialist energy finance firms — matched deal-by-deal.