Last year, 200,000 residentialsolarsystems were installed in the U.S. More than two-thirds of those systems were third-party-financed through leases or power-purchase agreements.

But third-party financing is peaking. As solar costs come down, more consumers want to own their own systems, and installers look for simpler options, a growing number of lenders are coming into the U.S. market with loan products.

Will they rival leases and power-purchase agreements? Not in the short term. But they are becoming much more popular -- sparking debate around their value for customers.

This week, we’ll talk with Sungage Financial CEO Sara Ross, who will provide background on the evolution of solar loans and talk about the democratization of solar finance.

Later in the show, we’ll discuss the State of the Union address and look at the surge in solar jobs outlined in the Solar Foundation’s solar census.

The Energy Gang is produced by Greentechmedia.com. The show features weekly discussion between energy futurist Jigar Shah, energy policy expert Katherine Hamilton and Greentech Media Editor Stephen Lacey.