Offer solar financing with confidence.

More approvals and lower dealer fees can significantly boost your bottom line

Go to kitchen table discussions with confidence — knowing your customers are more likely to get approved with Mosaic financing options.

More homeowners are making the switch to solar to increase their energy resiliency and save on their utility bills. Our seamless platform integrations, near-instant approval rates and lower dealer fees keep solar financing options simple and profitable.

  • Mosaic has more solar loan data than anyone else in the industry = some of the best approval rates
  • Higher approval rates combined with lower pricing drives partner and sales represenatives net income
  • Even 5% higher conversions (with the same dealer fee) = more monthly profit for you

More approvals. More customers.

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Household Income

All verified income counts

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LTV not part of underlying credit decision

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ITIN Numbers

SSN or ITIN is accepted

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We consider going solar a debt replacement

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No Income Stips 660+

Stip rate < 5% all other credit scores

Lower monthly payment for customers. Lower dealer fees for contractors. 
Financing applied for and processed through the Mosaic partner platform is originated by Solar Mosaic LLC or one of its lending/financing partners.

Three loan structures to fit every solar energy need (and save the planet)

As a residential solar finance pioneer, we’ve bundled our features and loan products together to improve solar installers’ cash flow, streamline processing and lower customer acquisition costs.

PowerSwitch ZERO

For homeowners who want solar financing that offers ZERO payments for 12 or 18 months.

All PowerSwitch Zero loans made by WebBank, Member FDIC, Equal Housing Lender.

PowerSwitch CHOICE

For homeowners who want to add solar energy systems and/or battery storage to their home — and have the CHOICE to take advantage of the Federal Solar Investment Tax Credit.

PowerSwitch PLUS

For homeowners who want to add solar energy projects to their home — PLUS make other improvements, like replacing their HVAC unit, roof, doors and windows at the same time.

Why installers and homeowners choose Mosaic

Solar panel install
Contractor benefits
  • Near-instant pre-approval decisions with soft credit checks
  • Interactive payment estimator
  • Easy project tracking and pipeline management
  • Dedicated phone line for real-time credit decisions
Solar homeowner benefits
Homeowner benefits
  • Attractive credit score minimums, loans up to $100,000
  • A range of competitive APRs and low monthly payments
  • No prepayment penalties
  • No hidden costs, no swipe fees

SolarAPP+ — free online permitting platform

The National Renewable Energy Laboratory’s SolarAPP+ reduces install times and project cancellations, and creates more access to solar by streamlining and standardization permitting.

Installer submits an application with design specifications through SolarAPP

SolarAPP checks the application to ensure the system design is code compliant

Code compliant applications are issued a permit instantly after fee payment