So far, a major concern has kept many consumers from actually taking out a loan and buying a PV system: the worry that system components might not last 25 years and high maintenance costs could significantly diminish their return on investment.

This is where solar crowdfunding pioneer Mosaic and microinverter manufacturer Enphase Energy enter the picture. On Tuesday morning, the two companies announced a loan offer they're calling “worry-free solar ownership."

Mosaic will allow homeowners to take out a twenty-year solar loan with no down payment and a 4.99 percent interest rate. The loan is bundled with residential operations and maintenance services (O&M) provided by Enphase. Mosaic expects the new package to fulfill at least $100 million in loan volume over the next eighteen months.