Zero-Down Program · Deal Sheet
Sample 6-Charger Site
Headline figures at maturity — ramp & 10-yr cashflow below
Debt retired
Year 6
Cash sweepFC cash / yr after payoff
$10,006
$0 while debt live
Breakeven Use
12.4
kWh / charger / day
10-yr cash to FC
$42,800
cumulative
Assumptions
Cash sweep — pay debt off before FC (3-yr interest-only)
Hardware — 6× 64A chargers, mounts, cable mgmt$9,198
Electrical, trenching, install & panel headroom$19,200
Permits, soft costs & contingency$1,600
Total build cost$29,998
− Power-company rebate → lockbox−$4,500
Net financed$25,498
Lockbox Waterfall · Monthly at maturity
Show post-payoff (debt retired, property steps to 20%)
Senior to debt — paid first
Gross charging revenuecollected by Tesla → controlled lockbox account
$2,451
− Utility / electricityto power company
−$876
− Platform & processingTesla network + card fees
−$196
Net into lockboxavailable to the stack
$1,380
Subordinate to debt — paid in priority
− Interest (debt service)to lender — interest-only during sweep
−$212
− O&M / Care+to construction company
−$270
− Property owner share10% of net — to host property
−$138
Swept to debt paydownFC receives $0 until the loan is retired
$759
Adoption Ramp & Debt Payoff
Utilization follows an S-curve toward saturation. With the cash sweep on, every surplus dollar pays down principal — so the loan balance falls fast once utilization builds, and FC starts collecting the moment it hits zero.
Year 1 · launch · 10 kWh/day
$25,498
Loan balance · end of year
Revenue / mo$784
Swept to debt—
Year 3 · growth · 20 kWh/day
$20,251
Loan balance · end of year
Revenue / mo$1,569
Swept to debt$3,884
Year 5 · stabilizing · 28 kWh/day
$5,721
Loan balance · end of year
Revenue / mo$2,133
Swept to debt$8,321
10-Year Cashflow Projection
Annual FCCumulative FCLoan balance
Every dollar of FC's surplus sweeps to principal. With 3-year interest-only up front, the loan retires in Year 6 — FC collects $0 until then, after which property steps 10% → 20% and FC takes the full residual. Stronger utilization retires it sooner.
| Y1 | Y2 | Y3 | Y4 | Y5 | Y6 | Y7 | Y8 | Y9 | Y10 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Utilization (kWh/day) | 10 | 15 | 20 | 25 | 28 | 30 | 31 | 32 | 32 | 32 |
| Gross revenue | $9,414 | $14,120 | $18,827 | $22,651 | $25,593 | $27,358 | $28,535 | $29,123 | $29,417 | $29,417 |
| Net to lockbox | $5,299 | $7,948 | $10,597 | $12,750 | $14,405 | $15,399 | $16,061 | $16,392 | $16,558 | $16,558 |
| − Interest | $2,550 | $2,550 | $2,413 | $2,025 | $1,404 | $572 | — | — | — | — |
| − O&M / Care+ | $3,240 | $3,240 | $3,240 | $3,240 | $3,240 | $3,240 | $3,240 | $3,240 | $3,240 | $3,240 |
| − Property share | $530 | $795 | $1,060 | $1,275 | $1,441 | $1,540 | $3,212 | $3,278 | $3,312 | $3,312 |
| → Debt paydown (sweep) | — | $1,363 | $3,884 | $6,209 | $8,321 | $5,721 | — | — | — | — |
| Loan balance (EOY) | $25,498 | $24,135 | $20,251 | $14,042 | $5,721 | paid off | paid off | paid off | paid off | paid off |
| FC surplus | −$1,021 | $0 | $0 | $0 | $0 | $4,326 | $9,609 | $9,874 | $10,006 | $10,006 |
| Cumulative FC | −$1,021 | −$1,021 | −$1,021 | −$1,021 | −$1,021 | $3,305 | $12,914 | $22,787 | $32,794 | $42,800 |