I would never use a cold-caller.
You can get a realistic quote and shade assessment from an electricity supplier or BG, they have a reputation to maintain and are very cautious. You can then research local independents with a good reputation, and see how they compare.
If you have 50% shade then the things will never cover their cost. Even when they are working fine it is not a fantastic deal.
e.g. I paid about £6.5k for mine, and it is estimated that after about 8 to 10 years I will have received/saved about enough to cover their cost. I am in a sunny coastal area with zero shade on the south-facing roof.
However if I kept the money in the bank, I would still have my £6.5k from day one, and after 8 to 10 years I would still have my £6.5k, plus a bit of interest, so I would be better off than if I'd spent it on solar. If I invested in wisely I'd probably more than double it.
If keep the house for 20 years, then I'd start to actually be better off after about 12 years, and then make a bit of a profit until they were worn out. I'll probably have to have a new inverter for maybe £2k every 10 years or so.
However, if you have a few thousand lying around that you don't need, it might give a better return than leaving it in the bank. Certainly don't take out a loan because the interest is likely to exceed the income from the panels.
BTW an ordinary solar panel installation won't work during a power cut, so don't look on it as an emergency backup.