home energy tax credit

I purchased Solar Panels for my home in 2019. When I enter my information it tells me that I get no tax credit but have a carryover. The arrangement that was made with my lender was that the 30% tax credit I was to receive would be used to cover the initial short term loan that was issued. Is there a way that my tax credit can be directed to my lender. I'm very confused and panicking a little. I don't understand why they would make this arrangement if that isn't the way it works, please advise.