Offer solar financing options with confidence.

Turn more sales calls into wins
and boost your bottom line

Homeowners are making the switch to solar to increase their energy resiliency and save on their utility bills. Our simple, point-of-sale financing technology, near-instant approval rates and dedicated support teams will help you get to “yes” faster.

  • Mosaic has more solar loan data than anyone else in the industry and more experience servicing loans with this specialized borrower base
  • MosaicScore® uses machine-learning algorithms on credit profiles to generate higher approval rates
  • Real-time stip review via phone or email, and proactive outreach to borrowers
  • More than 90% of stip submissions reviewed within 10 minutes

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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DTI is not part of our underlying credit decision

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No Income Stips 660+

Stip rate < 5% all other credit scores

Open the door to more customers by
offering affordable financing options.

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 months.

All PowerSwitch Zero loans made by WebBank, 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-qualification 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 $135,000
  • A range of competitive APRs
  • No prepayment penalties
  • No hidden costs, no swipe fees

What our partners say...

Chris Moran

We like partnering with Mosaic because of the comprehensive and robust financing options they make available for our customers. Mosaic has worked with us to customize our product offerings, allowing us to continue to fuel our growth for the last several years.

— Chris Moran, Solar Negotiators

Steve Brooke

The excellent financial products cater to our broad customer base, both long-term payment buyers and the short-term buyers that want to pay off loans early. Mosaic has greatly helped me grow my business by providing the sales team with a very user-friendly portal with quick customer approvals and easy to send loan documents.

— Steve Brooke, Baker Electric Home Energy

Chad Simkins

The services Mosaic offers us and our clients are second to none. The Mosaic portal that we use is very user-friendly, I like it as an owner because every customer gets a welcome call. They’ve really helped our company grow because we have a partner we can rely on and trust in. The products are solid and the representation is top of the line.

— Chad Simkins, Michigan Solar and Roofing

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