Billing Guide

What to Expect From Your Billing

We want to make sure you feel confident and informed about your billing from day one. Here's a clear overview of what to expect.

Monthly billing cycle

ACH automatic bank draft

Important: You Will Receive Two Bills Each Month

Once your solar system is operating, you will receive two separate bills each month — one from Skylight Lending and one from your utility company. Here's what each covers:

Utility Bill

From your electric utility company for grid connection fees and any electricity your solar system doesn't cover.

Skylight Lending Bill

Your regular monthly payment to Skylight Lending for your solar agreement.

You will always receive a utility bill — even in months when your solar system covers all of your electricity needs. Your utility company charges basic connection fees regardless of solar production. This is completely normal and expected.

What to Expect

When Will I Receive My First Bill?

Your first payment will be scheduled for more than 30 days after your utility company issues Permission to Operate (PTO). Depending on your PTO date, your first payment will be due on either the 1st or the 15th of the month, giving you time to prepare.

What is PTO? Permission to Operate is the official approval from your utility company allowing your solar system to connect to the grid and begin generating energy.

How Are Payments Made?

Payments are made on a monthly billing cycle. Depending on your setup, there are two ways to pay:

AutoPay (Recommended)

If you are enrolled in AutoPay, your payment will be automatically drafted from your registered bank account each month on your due date — no action required on your end.

Manual Payment via Concord

If AutoPay is not set up, you can make a payment manually each month through your Concord-MyEquiant portal. See our How to Make a Payment guide for step-by-step instructions.

Please ensure your bank account has sufficient funds on your due date. Rejected drafts may be subject to fees.

Annual Payment Escalator

Your payment will increase slightly each year based on the escalator rate agreed upon at signing. This is a fixed, predictable annual adjustment outlined in your agreement documents.

Your escalator rate was confirmed at signing. Please contact us if you'd like to verify your rate.

Where Can I View My Billing Details?

You can access your full billing history, current balance, and payment details through your Concord-MyEquiant portal at any time.

https://esp.myaccountinfo.com — Log in anytime to view your statements, payment history, and account details.

Billing at a Glance

TopicWhat to Know

First payment30+ days after PTO — due on the 1st or 15th of the month

Billing cycleMonthly

Payment methodACH automatic bank draft

Annual escalatorRate set at signing — see your agreement documents

Number of billsTwo — Skylight Lending + your utility company

Billing portalConcord-MyEquiant (esp.myaccountinfo.com)

Setting Up Your Account

Once your system is operational, you will receive an email with instructions to set up your account. We recommend enrolling in AutoPay at that time — it's the most convenient way to ensure your payments are always on time.

About Your Utility Bill After Installation

You may still receive a utility bill after your system is interconnected — this is completely normal. Utility companies may take a billing cycle or two to update their records. It is also expected that your solar system may not cover 100% of your electricity usage, and your utility bill will reflect any remaining balance.

Still need help?

We're here for you

Have questions about your billing? Contact us at [phone] or submit a support request. Our Account Services Team is here to help!

Contact Borrower Support

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