For Residential Solar Financiers
Your Operating System for Financing Residential Solar.
Zero Build.
Built for solar financiers launching new programs and those ready to replace the clunky, limited infrastructure that’s been holding them back. Banks, credit unions, capital providers, solar lenders, and TPO financiers use Enerflo to originate, oversee risk, and manage operations across solar loans, PPAs, pre-paid PPAs, and leases. Enerflo is the solar financing operating system built to move faster, scale confidently, and keep their brand out front.
Who We Serve
Banks & Credit Unions
Launch solar loan programs with compliant, white-labeled origination infrastructure.
Capital Providers
Deploy capital into residential solar with full portfolio visibility from day one.
Solar Lenders
Run your entire lending program — origination, decisioning, and servicing — under your brand.
TPO Financiers
Originate and manage solar leases, PPAs, and pre-paid PPAs through a nationwide installer network.
Infrastructure Credentials
SOC 2 Type II Certified
99.5% Uptime SLA
Go live in weeks, not months
Nationwide Installer Network
The Solar Financing Operating System
8 Years Building Residential Solar Financing Infrastructure. $15B+ Sold.
Live on Enerflo in Weeks, Not Years.
Building solar financing infrastructure from scratch — solar loan origination software, TPO platform tools, compliance, fraud management — means years of trial, rework, and regulatory exposure before you originate a single deal. Enerflo’s solar financing operating system was built iteratively over 8 years through hundreds of integrations and billions in residential solar transactions, so banks, capital providers, solar lenders, and TPO financiers can launch with a proven, white-label platform and start gaining ground from day one. When you launch with Enerflo, your product is immediately pushed to our existing nationwide installer network — already trained, already active, and ready to originate on your behalf from day one.
Supported Solar Financing Product Types
- Solar Loan
- Solar Lease
- Power Purchase Agreement
- Prepaid PPA
62% faster install timelines vs. peers
An independent Ohm Analytics study found that installers on Enerflo reduced install timelines 62% relative to peers — even as volumes nearly doubled. Faster cycle times mean better pull-through rates and stronger portfolio performance for your fund.
Compliance infrastructure already built
SOC 2 Type II certification, audit trails, license validation, and fraud tooling took years to build and harden. You inherit all of it on day one — no build, no legal exposure from standing it up yourself.
Nationwide installer network from day one
Access Enerflo's active installer network nationwide immediately — no cold outreach, no dealer onboarding from scratch. Your program can begin originating volume on day one.
Live in weeks — dev hours included
Most solar financiers go live in weeks, not months. Integration engineering is covered by Enerflo — no hourly invoices for the build, and no surprise bills after launch.
Solar Financing Partnership Model
You Run the Program.
Enerflo Powers the Solar Financing Infrastructure.
As a solar lender, TPO financier, or capital provider, your focus is your financial product and your investors. Enerflo provides the platform — the tools, workflows, and infrastructure your team uses to run origination, manage risk, and oversee operations in the field.
Your Focus
Your Product. Your Investors. Your Portfolio.
Stay focused on what you do best — the financial structure, your capital strategy, and your program’s performance.
Fund structure and investor relations
Product design (rates, terms, and credit policy)
Capital deployment strategy
Portfolio performance reporting to investors
Operations oversight and risk management
Regulatory and program-level compliance
Enerflo’s Focus
The Tools to Originate, Manage Risk, and Run Your Operations.
Enerflo gives your team the infrastructure to run every operational layer — from the sales floor to post-install portfolio monitoring.
Installer onboarding and in-home sales support tools
Loan and TPO origination, documentation, and e-signing
Fraud detection and risk management tooling
Milestone tracking and project management
Change orders and reconciliation
Compliance, security, and audit infrastructure
API integrations with your systems and partners
Available free of charge to your installer network
Solar Financing Operating System -- 8 Categories Included
Solar Loan Origination Software, TPO Tools & More.
White-Labeled as Your Brand.
Enerflo provides the full infrastructure stack — solar loan origination (LOS), TPO financing tools, compliance, risk monitoring, project tracking, and more — configured around your program and delivered entirely under your brand. All origination runs through Enerflo’s platform, so your installers and homeowners only ever see you. Choose the capabilities that fit your program, and where you have existing systems you want to keep, Enerflo integrates — so you’re never forced to replace what’s already working.
- 1
Origination Software
Full origination software (LOS) and TPO origination — credit checks, pricing engine, stipulations, document generation, e-signatures, and homeowner-facing application flows. The origination infrastructure every bank, credit union, capital provider, solar lender, and TPO financier needs.
Features & Capabilities
Branded application flow (your product, your identity)
Custom pricing engine — built to your specs, with rebates and holdbacks capabilities
Credit pull and qualification engine
Stipulation management and document collection
E-signature with full audit trail
Homeowner portal and communication
Multi-language support (English/Spanish)
- 2
Operational Backend
The administrative infrastructure that keeps a financing operation running — queues, statuses, assignments, escalations, and workflow orchestration.
Features & Capabilities
Admin dashboards with role-based access
Deal pipeline and status management
Change order processing and reconciliation
In-home sales support and installer tools
Training and onboarding programs
99.5% uptime SLA with live support
- 3
Risk & Fraud Management
Protecting your capital from bad actors, bad data, and bad installs — before they hit your portfolio.
Features & Capabilities
Live NowAudit trails on every deal action
Contractor trend analysis
Savings underwriting and geospatial detection
License validation and e-sign tracking
Title checks
Deal integrity scoring
AI-powered welcome calls
ID verification
- 4
Security & Compliance
Enterprise-grade security and compliance infrastructure — so your institution doesn't have to build it from scratch.
Features & Capabilities
Live NowSOC 2 Type II certified
Trust dashboard with real-time status
Penetration testing program
Cyber insurance coverage
Vendor security reviews
ISO 27001 / PCI compliance
- 5
Data & Reporting
Portfolio intelligence and market analytics — the data layer institutional investors expect from their operating partners.
Features & Capabilities
Market comparisons and benchmarking
Installer performance tracking
Utility rate and incentive mapping
Milestone and pipeline analytics
FICO distribution reports
Forecasting and alert systems
Capital markets data package
- 6
Project Management & Monitoring
From permit to PTO — full lifecycle tracking of every project in your solar portfolio.
Features & Capabilities
Live NowMilestone-based project tracking
Automated status updates and notifications
Document and photo management
Inspection coordination
Installer accountability scoring
PTO timeline analysis
Required document collection from installers at each milestone
Lender milestone review and approval workflows
- 7
API & Integration Infrastructure
Enerflo as your API hub — connecting your systems to the field without building custom integrations from scratch.
Features & Capabilities
Open API with full documentation
Webhook event system
CRM and proposal tool integrations
Custom data mapping and transformations
White-label and co-branded options
Dedicated integration engineering support
- 8
Installer OS & Network
When you launch with Enerflo, your product is immediately available to our nationwide installer network — already active, already trained on the platform. Enerflo handles all platform training and can host your financing-specific materials, integrate your program into our knowledge base and support chatbot, and drive rapid adoption while reducing the common onboarding issues financiers typically have to staff for themselves.
Features & Capabilities
Immediate access to nationwide installer network on launch
Platform training handled by Enerflo — financier materials hosted and delivered
Financier knowledge integrated into Enerflo support chatbot and knowledge base
Full CRM and lead management
Proposal generation and native e-signatures
Multi-lender marketplace (your product + others)
Mobile-optimized for field teams
Available free of charge to your installer network
Solar Financing Platform — Built for Every Stakeholder
One operating system. Every party in the solar financing deal.
Purpose-built experiences for every participant — so banks, credit unions, solar lenders, TPO financiers, installers, sales reps, and homeowners each have exactly what they need to move faster and fund more solar projects.
Real-time portfolio visibility
Dashboards, drilldowns, and custom analytics across every funded solar deal — built for financiers who need more than a job count.
Credit policy control
Adjust decisioning rules, pricing guardrails, and approval criteria for your solar loan or TPO program without an engineering sprint.
Dedicated Slack channel
Direct line to Enerflo’s product and engineering team for escalations and feature requests.
Audit-ready compliance reporting
Full transaction-level data access via API or direct portal login.
Co-marketing & installer webinars
Joint installer campaigns and co-branded content to drive origination volume across the network.
Dev hours covered
No hourly charges for integration builds or feature development. Engineering resources included for Enerflo Native Financiers.
In-home rep support
Sales reps get real-time support and guidance from within the operating system during the homeowner visit — keeping deals moving and reducing fall-off at point of sale.
Instant accurate solar quotes
Dynamic pricing engine generates per-customer solar financing pricing at the door — no spreadsheets or back-office calls.
Pre-filled applications
Customer data auto-populates the finance application from the project record — no double entry.
Embedded signing
Solar financing contracts sent and signed inside the operating system — no DocuSign handoff, no broken flow.
Application status tracking
Real-time visibility into where every solar deal stands in the lender’s approval process at any moment.
Spanish language support
Full bilingual solar contract and proposal flow for Spanish-speaking homeowners.
Free access to your native financing product
Installers get free access to Enerflo's origination and financing workflows — funded by the financier.
Milestone tracking
Submit project milestones and receive financier feedback without ever leaving the operating system.
Change order management
Modify post-signed solar contracts with automated re-sign workflows per financier rules.
System detail auto-submission
Solar system specs sent to the financier automatically on application — no manual data entry.
Licensing management
Contractor and rep license storage tied to origination permissions by state.
Data insights app
Job volume, funding rates, and performance at a glance — built for solar installation operations teams.
Branded solar project portal
Homeowners track their solar installation status under the financier’s brand — not Enerflo’s.
Secure ID verification
Live photo ID and selfie match at signing — consumer protection baked into the origination flow.
Welcome call workflow
Structured post-sign call process to confirm homeowner understanding and reduce solar loan cancellations.
Financier communicationSoon
Direct in-portal messaging between borrower and the solar financing team — coming in a future phase.
Bill paySoon
Solar loan payment management inside the homeowner portal — on the roadmap.
System monitoringSoon
Post-PTO solar performance data surfaced to the borrower in their branded portal.
Frequently Asked Questions
Solar loan origination, TPO financing & residential solar — questions from banks, credit unions & capital providers
Get Started
Ready to launch your
Residential solar financing program?
Book a discovery call with our team. We’ll take the time to understand your solar loan, TPO, or PPA program, your goals, and what your current infrastructure can and can’t do. From there, we’ll craft a solution built around your specific needs — and have your solar financing program up and running in weeks, not months.
Supports Solar Loan, Lease, PPA, and Pre-Paid PPA products
Dev hours and integration infrastructure covered by Enerflo
SOC 2 Type II certified
Go live in weeks — nationwide installer network ready from day one