Bankability, honestly.
Three paths to your PPA close.
JUSTSOLAR is not on the BNEF Tier-1 list — and we're upfront about it. But our manufacturing lines already supply BNEF Tier-1 brands under OEM, our certifications are equivalent, and our warranty is backed by insurance and reserves. For your project, there are three realistic paths to lender approval. This page walks through them honestly, with cost tradeoffs and documentation lists.
Three paths, pick what fits
The right structure depends on who's financing your project and what they require.
Your PPA lender requires BNEF Tier-1
We supply cells, wafers, or finished modules to a BNEF Tier-1 brand under our existing OEM relationship. Modules ship under their name, their warranty, their bankability rating. You get the Tier-1 label financial institutions require, at ~$0.01–0.025/W premium over direct JUSTSOLAR supply.
Your lender accepts non-Tier-1 with credit mitigation
Some lenders accept non-Tier-1 modules if project-level mitigants are in place: third-party warranty insurance (PowerGuard, Munich Re, kWh Analytics), sponsor guarantees, or performance reserves. For these, direct JUSTSOLAR supply is cheaper AND the DD pack is straightforward.
Your project self-finances or uses sponsor equity
No external lender, no bankability constraint. Direct JUSTSOLAR supply at factory-direct pricing. Warranty + certifications equivalent to Tier-1. Majority of our utility-scale 10-50 MW orders fall in this category.
Our lines already produce under Tier-1 labels.
Under NDA, our Jiaxing production lines manufacture finished modules for brands listed on the BNEF Tier-1 index. The same equipment, the same QC, the same supply chain, the same team. For your LTA review: this is third-party validation that our capability meets the most demanding quality gates in the industry. For lenders that accept non-Tier-1 with technical mitigants, this is exactly that technical mitigant.
Due Diligence Documentation
Standard pack is free and delivered within 48 hours of request. Under-NDA pack for utility-scale orders.
| Document | Availability |
|---|---|
| Business license + incorporation docs | Standard, free |
| ISO 9001:2015 + ISO 14001 + ISO 45001 | Standard, free |
| TUV Rheinland + IEC 61215/61730 certificates | Standard, free |
| Factory audit report (most recent) | Standard, free |
| Warranty policy + reserve fund structure | Standard, free |
| Reference project list with owner contacts | Standard, free |
| All-Risk cargo insurance master policy | Standard, free |
| Product liability insurance certificate | Standard, free |
| Financial statements summary (3 years) | Under NDA · For 10+ MW orders |
| Ownership structure + banking references | Under NDA · For 10+ MW orders |
| Equipment serial-numbered BOM | Under NDA · For 20+ MW or DD-intensive orders |
| Production schedule commitment letter | Under NDA · For 20+ MW orders |
| Supplier QSL (Qualified Suppliers List) summary | Under NDA · For ESG-heavy DD |
| Xinjiang-free Chain of Custody attestation | Included free for 25+ MW · $500 admin for smaller orders |
| Carbon footprint LCA report (kgCO₂eq/kWp) | Under NDA for CBAM declaration support |
| Tier-1 wrap letter (if structuring wrap arrangement) | Included when Tier-1 wrap is contracted |
Payment & Financing Structures
Four payment structures we support for utility-scale and institutional orders.
Letter of Credit (L/C)
L/C at sight or deferred. Bank-to-bank payment guarantee. Accepted from most major international banks. Effectively acts as payment + performance backstop.
30% deposit + 70% against B/L copy
30% T/T to secure production slot. Balance paid when we email the Bill of Lading copy — so buyer holds cargo control before full payment.
Trade Assurance (Alibaba-style escrow)
Escrow through Alibaba platform. Payment released only after shipment + buyer confirmation. Protects new buyers establishing trust.
Equipment finance / supplier credit
30% deposit + 70% financed 3-12 months via buyer's trade bank. Available for confirmed BNEF Tier-1 wrap orders or established buyers with reference track record.
25+30 Year Warranty + Reserve Fund
25-year product warranty + 30-year linear performance warranty backed by an internal warranty reserve fund. Degradation: ≤0.40%/yr TOPCon · ≤0.35%/yr HJT. Year-25 output ≥87.4%, Year-30 output ≥84.8%. TUV-certified warranty curve.
Warranty Center →Third-Party Warranty Insurance
Lenders requiring manufacturer-solvency-independent warranty coverage: we facilitate third-party warranty insurance (PowerGuard, Munich Re PVSE, Solar Insure) at ~$5-15/kW one-time premium. Claims paid by insurer regardless of manufacturer balance sheet — removes key bankability risk.
Discuss with Director →Bankability FAQ
Is JUSTSOLAR BNEF Tier-1 listed?
What's the premium for Tier-1 wrap arrangement?
What warranty reserve fund do you maintain?
Do you have reference projects with owner contacts for DD calls?
What cargo / transit insurance coverage do you provide?
How do you handle lender technical advisor (LTA) reviews?
What carbon footprint data do you provide for green-financed projects?
Ready to structure your financing?
Send us your LTA questionnaire + project details and we'll return a structured response plus recommended commercial path within 5 business days. For 20+ MW projects, Director-level commercial and technical calls available during DD.