I don't want shares of a speculative solar startup, I want a safe solar investment with predictable returns. If a company goes bankrupt then shares go to zero,

I don't want shares of a speculative solar startup, I want a safe solar investment with predictable returns. If a company goes bankrupt then shares go to zero, the assets are sold, and the proceeds split between everyone they owe money to. So structuring customer investments as a loan is safer for the investor, no?