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.
Household Income
All verified income counts
No LTV
LTV not part of underlying credit decision
ITIN Numbers
SSN or ITIN is accepted
No DTI
DTI is not part of our underlying credit decision
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 or 18 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
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
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...
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
