Title Commitment

Title Commitment Guide for Solar Developers & Installers

Title Commitments are a necessity to secure loans for a solar project. SolRiver Capital wants developers and installers to understand why a Title Commitment is needed during the diligence process for you to secure an investment from us and what we typically require for it before you engage a title insurance firm. In this guide on Title Commitments, we discuss:

  1. What a Title Commitment is;
  2. Why SolRiver requires it from the developer and when it is needed;
  3. The scope SolRiver requires; and
  4. Who can provide the service.

What is a Title Commitment?

A Title Commitment Title is a document stating that a title insurance company will issue title insurance if the conditions of the commitment are satisfied. The Title Commitment details the title insurance coverage subject to any exceptions on the project site based on the ALTA survey and reviews of records for the site.  The subsequent title insurance policy is a way to protect a solar project from revenue loss in the event there are any exceptions to the title of the site that are covered by the policy. Title Commitments and insurance attempt to eliminate any risk involved in the transaction by undergoing thorough title searches on properties to determine the feasibility of issuing a policy.


Why is a Title Commitment needed and when do you need it by?

Almost all lending banks will not issue a loan without an acceptable title insurance policy in place. The diligence process behind receiving a Title Commitment is the main reason it is of value, as it identifies, in most circumstances, all exceptions to the title of the site.  If there are any exceptions on the Title Commitment, a Subordination, Nondisturbance, and Attornment Agreement (“SNDA”) must be executed for each exception prior to NTP. The Title Commitment must be dated no more than six (6) months prior to NTP and Title Insurance must be secured prior to receiving a loan.


What is the required scope for a Title Commitment?

The current scope we require is detailed in the Title Policy Endorsement Guidelines.


Who can help prepare a Title Commitment?

Stewart Title: https://www.stewart.com/en.html

Chicago Title Insurance Company: https://www.ctic.com/


SolRiver Capital

SolRiver Capital is a solar investment fund dedicated to financing development, construction, and acquisition of small and mid-size utility-scale projects across the US.

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