Funding Partner Guides

Funding Partners & Product Booklet

1. Everbright

Company Overview Everbright is a provider of clean energy upgrades like solar panels and battery storage, making them accessible to American homes. They offer flexible power purchase agreements (PPAs) and leases designed to match various budgets and lifestyles, with no upfront costs. They aim to simplify the process with faster, more flexible, and more affordable options for homeowners and provide stability for installers. Website: https://engine.goeverbright.com/ Requirements & Offerings

• Minimum Credit Score: 650
• Cosigner: On title
• Rules: On title
• Debt to Income Ratios (DTI):
• Years Since Bankruptcy: 3 yrs
• Multiple Properties: Yes
• Title Rules: Purchaser must be on title, or if in the case of a Trust, they must be an executor of the trust.
• Property Types: Residential properties
• Secondary Systems: Yes, not if EB original > enphase micros 2/ Tesla PW3 Battery
• Battery or Generator Only: NO
• Battery Options: Enphase
• Equipment Options: All (Panel)
• Design Tool: engine.goeverbright.com
• Mobile Home?: NO
• Home Improvement Loans?: N/A
• Notes: PPW Cap at $9 per watt (includes battery in that price). Keep NEM 1/2: Yes. Battery Ratio: 150%+.
• Ground Mount = NO Option with Domestic Content

Everbright Allowable Materials/Products

Second Systems NON EXPORT: Only if First system is NOT Everbright

2. GoodLeap

Company Overview GoodLeap is a technology company that delivers financing and software products for sustainable home solutions, including solar panels, batteries, energy-efficient HVAC, roofing, and windows. They aim to make the adoption of these products more affordable, accessible, and easier to understand through their simple, fast, and frictionless technology. GoodLeap's proprietary, AI-powered applications and developer tools help professionals drive transparent customer communication and streamlined operations. Website: https://origin.goodleap.com/ Requirements & Offerings

• Minimum Credit Score: 650
• Cosigner: True Cosigner
• Rules: True Cosigner
• Debt to Income Ratios (DTI):
• Years Since Bankruptcy: 2 yrs and late mortgage payment
• Multiple Properties: 2 w/ proof of occupancy (vacation / primary) (No Rentals!)
• Title Rules: Purchaser must be on title, or if in the case of a Trust, they must be an executor of the trust.
• Property Types: Residential properties
• Secondary Systems: Yes w/ a form
• Battery or Generator Only: Home Upgrade Loans
• Battery Options: Enphase DOM, PW3
• Equipment Options: All (Panel)
• Design Tool: https://app.aurorasolar.com/login
• Mobile Home?: yes
• Home Improvement Loans?: Battery & all others
• Notes: There is a chart for acceptable battery sizes for the add on systems. For NEM 3 systems, they require proof the original system has been running for over a year. Keep NEM 1/2: Yes. Battery Ratio: 1.75-2.5 (see chart). Green Button Data- 6 Months at 15 minute intervals required for ALL add ons

Good Leap Allowable Materials/Products

3. LightReach

Company Overview LightReach, an operating unit of Palmetto (a leading U.S. clean energy & home sustainability platform), provides consumer finance and asset ownership solutions for solar and storage. Launched in 2023, LightReach is an API-first consumer finance platform built for seamless integrations and superior user experience, creating a plug-and-play ecosystem that increases efficiency, profitability, and scalability across stakeholders. They offer TPO (Third-Party Ownership) options, including leases and PPAs. Website: https://auth.palmetto.com/ Requirements & Offerings

• Minimum Credit Score: 650
• Cosigner: Spouse Only
• Rules: Spouse Only
• Debt to Income Ratios (DTI):
• Years Since Bankruptcy: 3 yrs
• Multiple Properties: 2
• Title Rules: Purchaser must be on title, or if in the case of a Trust, they must be an executor of the trust.
• Property Types: Residential properties
• Secondary Systems: No
• Battery or Generator Only:
• Battery Options: Powerwall / Enphase
• Equipment Options: All (Panel)
• Design Tool: https://app.aurorasolar.com/login
• Mobile Home?: NO
• Home Improvement Loans?: No
• Notes: Keep NEM 1/2: No. Battery Ratio: 150%+. No installs on patios or carports.

Light Reach Allowable Materials/Products

4. SolRite (TX ONLY)

Company Overview SolRite is a commercial software vendor for solar, EV charger, and energy storage installers. They offer an online software platform that helps installers and developers create compelling finance proposals for their business customers, with access to preferred lenders. They also provide commercial finance brokerage services, simplifying the credit application process and assisting with financing structuring. Website: https://www.solriteenergy.com/ Requirements & Offerings

• Minimum Credit Score: 620
• Cosigner: Yes: Live In Home
• Rules: Yes: Live In Home
• Debt to Income Ratios (DTI):
• Years Since Bankruptcy: NA
• Multiple Properties: Yes w/730
• Title Rules: Purchaser must be on title, or if in the case of a Trust, they must be an executor of the trust.
• Property Types: Residential properties
• Secondary Systems: No
• Battery or Generator Only:
• Battery Options: Sonnen
• Equipment Options: Fixed (Panel)
• Design Tool:
• Mobile Home?:
• Home Improvement Loans?:
• Notes: An 80% offset is required for these systems. Will be in SUB HUB upon proposal. Battery ratios are fixed based on system size. Keep NEM 1/2: No. Battery Ratio: Fixed.

SolRite Allowable Materials/Products

5. SunRun

Company Overview Sunrun Inc. is an American provider of photovoltaic systems and battery energy storage products, primarily for residential customers. They design, develop, install, finance, insure, monitor, and maintain solar panels on homeowners' roofs. Sunrun offers services like permitting, design approval, site inspection, and utility interconnection. Their primary business model involves power purchase agreements (PPAs) and leases, where they own and maintain the system, and the customer pays for the electricity produced. Website: https://sunrunone.com/dashboard Requirements & Offerings

• Minimum Credit Score: 650
• Cosigner: Lives In Home
• Rules: Lives In Home
• Debt to Income Ratios (DTI):
• Years Since Bankruptcy: 7
• Multiple Properties: 2
• Title Rules: Purchaser must be on title, or if in the case of a Trust, they must be an executor of the trust.
• Property Types: Residential properties
• Secondary Systems: No
• Battery or Generator Only:
• Battery Options: Powerwall
• Equipment Options: All (Panel)
• Design Tool: Sun Run Portal
• Mobile Home?: Yes
• Home Improvement Loans?: NO
• Notes: Keep NEM 1/2: No. Battery Ratio: Fixed. Green Button Data required when more than 1 month of usage is entered to generate a proposal. MUST match usage in Sunrun.

Sun Run Allowable Materials/Products

6. Credit Human

Company Overview Credit Human is a federal credit union serving members across the United States. They are a not-for-profit, member-owned financial cooperative committed to helping members create and maintain financial slack. They offer various loan programs, including manufactured housing lending solutions and solar loans, as part of their broader commitment to sustainable living. Website: https://www.credithuman.com/ Requirements & Offerings

• Minimum Credit Score: 700
• Cosigner:
• Rules:
• Debt to Income Ratios (DTI):
• Years Since Bankruptcy:
• Multiple Properties: Yes
• Title Rules: Purchaser must be on title, or if in the case of a Trust, they must be an executor of the trust.
• Property Types:
• Secondary Systems: Yes
• Battery or Generator Only: Yes
• Battery Options: Yes
• Equipment Options: Yes
• Design Tool: Any
• Mobile Home?: Yes
• Home Improvement Loans?: Yes
• Reamoritization?: Yes. May reamoritize 3 times over the term. Each reamoritization must be 10% or greater of the outstanding balance.
• Notes: Design in Aurora, and fill out loan docs manually in Portal

Credit Human Allowable Materials/Products

* Payment Factor **

A payment factor is a decimal used to estimate monthly loan payments based on the loan amount. It combines the interest rate and loan term into a single number. To calculate the monthly payment, multiply the loan amount by the payment factor. For example, a payment factor of 0.0085 on a $25,000 loan equals a $212.50 monthly payment. It’s a quick way to estimate payments without using a full amortization schedule.

7. Sunlight Financial

Company Overview Sunlight Financial is a major player in residential solar financing, offering a diverse portfolio of loan products through its network of installers. They are known for their quick funding and competitive rates, making solar accessible to a wide range of homeowners. Website: https://slfportal.com/orange/#/login Requirements & Offerings

• Minimum Credit Score: 680
• Cosigner: yes
• Rules: yes
• Debt to Income Ratios (DTI):
• Years Since Bankruptcy: -
• Multiple Properties:
• Title Rules: Purchaser must be on title, or if in the case of a Trust, they must be an executor of the trust.
• Property Types: Residential properties
• Secondary Systems: yes
• Battery or Generator Only:
• Battery Options: All
• Equipment Options: Tier 1
• Design Tool: Aurora design input manually in portal
• Mobile Home?: yes
• Home Improvement Loans?: Yes
• Notes: PPW Cap solar/batt: $7 / $11/($12.5 with roof).
• Ground Mount = Yes

Sunlight Allowable Materials/Products

8. Dividend Finance

Company Overview Dividend Finance, a division of Fifth Third Bank, provides financing solutions for solar and storage. They service loans as part of Fifth Third Bank and offer a Homeowner Portal (EmpowerPortal) for managing accounts, payments, and loan documents. They aim to make solar accessible and manage the loan lifecycle. Website: https://customer.dividendfinance.com (Customer Portal) and contact information: (844) 805-7100, homeowners@dividendfinance.com.

Requirements and Offerings:

• Minimum Credit Score:
• Cosigner:
• Rules:
• Debt to Income Ratios (DTI):
• Years Since Bankruptcy: -
• Multiple Properties:
• Title Rules:
• Property Types: Residential properties
• Secondary Systems: No
• Battery or Generator Only:
• Battery Options: All
• Equipment Options: Tier 1
• Design Tool: Aurora design input manually in portal
• Mobile Home?:
• Home Improvement Loans?: Yes
• Notes:
• Ground Mount = NO

Dividend Allowable Materials

9. Cash

Company Overview Empower Home Services offers customers the ability to purchase directly. Empower was founded in 2017 and services AZ, CA, TX.

Requirements and Offerings:

• Cash Payment Schedule:
  • CA: $1,000 down payment due upon signing. 80% of remaining due at installation. 20% due at PTO.
  • AZ, TX: 10% down payment due upon signing. 80% due at installation. 10% due at PTO.
• How to request customer invoices: After signing deal and getting it to “Clean Deal,” leave the following note - @AR, please start the Quickbooks invoicing for this cash pay customer. Thank you!
• Property Types: Residential properties
• Secondary Systems: Yes
• Battery or Generator Only: Yes
• Battery Options: All
• Design Tool: Aurora design input manually in portal
• Mobile Home: Yes (expect extended timelines)
• Notes:
• Ground Mount = Yes

Cash Allowable Materials

Odd Notes:

• No Supplier offers a 400 Amp Controller. So no Whole Home Options for these.
• If main service panel is not on home you cannot do a partial backup.

Products

Battery Retrofits

* Payment Factor **

A payment factor is a decimal used to estimate monthly loan payments based on the loan amount. It combines the interest rate and loan term into a single number. To calculate the monthly payment, multiply the loan amount by the payment factor. For example, a payment factor of 0.0085 on a $25,000 loan equals a $212.50 monthly payment. It’s a quick way to estimate payments without using a full amortization schedule.

Glossary

• Non-export system: A battery system designed to not send energy back to the grid. In California, this is used to prevent grandfathered Nem 2 customers from being kicked to a Nem 3 rate plan after they get solar and battery. These systems are very specific when it comes to design guidelines and the NTP process.
• Third Party Owned (TPO): A system owned by a third party that the customer rents their roof/electrical system to. These include Leases (predictable monthly rate) and Power Purchase Agreements (rate per kWh).
• Domestic Content (DC): Under the Inflation Reduction Act solar tax credits law, solar equipment has a threshold for how much of it needs to be produced in the US in order to gain the credit. All TPOs require
• Safe Harbored Equipment: This term refers to solar and battery storage equipment compliant with new rules, specifically the "Foreign Entity of Concern (FEOC)" restrictions, to ensure eligibility for federal tax credits. The "One Big, Beautiful Bill Act" (BBB Act), signed into law in July 2025, expanded these FEOC rules to nearly all clean energy projects, including residential solar and batteries.

Revisions Log: