Offer solar financing with confidence.

More approvals, plus lower dealer fees, can significantly boost your bottom line

Be more confident during kitchen table discussions with your homeowners — knowing they’re more likely to get approved with Mosaic financing options.

  • Multiplier effect of approval rates combined with lower pricing drives your net income
  • Even 5% higher conversions (with the same dealer fee) = more monthly profit for you
  • Partners and their sales representatives both benefit from more approvals
  • Mosaic has more solar loan data than anyone else in the industry = some of the best approval rates
Installer Monthly Gross Profit Increase (Decrease) iPad

More approvals. More customers.

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Household Income

All verified income counts

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No LTV

LTV not part of underlying credit decision

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ITIN Numbers

SSN or ITIN is accepted

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No DTI

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. Our lower cost of funds benefits partners and homeowners.

We are the #1 issuer of solar loan bonds in the market and have been doing it longer than anyone else.

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

As the 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 contractor benefits
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