Homeowners

The SunLender Difference

With 42 years of experience originating and servicing loans and leases, SunLender is uniquely qualified to provide the best service in the industry both before and after the system is installed. SunLender’s expertise combined with their innovative programs is a difference maker.

Customers want uncomplicated financing programs that allow them the “freedom to choose” what is best for them. SunLender offers homeowners multiple financing options in a simple presentation that gives them the opportunity to select the solution that fits their unique situation.

Freedom to Choose

SunLender offers homeowners multiple financing options with only one credit underwriting. This includes Leases, Loans and Energy Efficiency financing

Concierge Service

We assign two concierges that serve as primary and secondary named contacts that actually launch their service before the deal closes to ensure that the customer has a comfortable understanding of the process. Their service continues after interconnection.

System Monitoring for the Life of the Agreement

SunLender monitors your system’s performance on a daily basis for the lifetime of the loan or lease.

Network of Installers

Although your system is virtually maintenance free and it has a 100% warranty, SunLender provides an extra layer of assurance through their Network of Licensed Installers that are available if an unlikely interruption in performance should occur.

Inverter Replacement/Scheduled Maintenance

It is likely in the lifetime of your system (typically in year 8-12) the Inverter will need to be replaced. SunLender provides this replacement as part of their scheduled maintenance program at no additional cost.

Largest National Coverage

We offer loans, leases  and energy efficiency financing in more states than any of our competitors. New states are coming on daily, so please check with us.

Fast and Easy Paperwork

Proposals and documents are prepared in minutes. DocuSign is utilized to help make the paperwork fast, easy and accurate.

No Internet Connection Required

Many Solar providers require an internet connection in order to monitor the production of the system. SunLender provides lifetime monitoring of the system without the burden to the Homeowner of having to maintain an internet connection.

Immediate Credit

Using the SunLender portal conditional credit decisions are instantaneous Using the SunLender portal conditional credit decisions are instantaneous.

Proposals and Documents  Decisions

SunLender’s customer presentation proposals and required documents are easy to understand and help customers understand the benefit of going solar.

Second Look Program

Only SunLender provides a second manual look for all initial credit denials. Many Solar providers only look at the homeowners FICO score. While this is an important element of the underwriting process it is only one element at SunLender.

SunLender Customer Referral Program

Any Customer that refers a new SunLender Customer will receive a referral bonus when the new Customer interconnects. This helps you grow your business.

SunLender Residential Solar Lease

For homeowners that are looking for a worry-free, professionally managed solar solution with predictable monthly payments, leasing may be their best choice.

No Down Payment

There is no down payment and no out-of-pocket expenses required for SunLender leases.

Guaranteed Performance

System production performance is monitored on a daily basis and any underperformance issues are addressed immediately.

Low Predictable Payments

The SunLender Lease program offers predictable payments for a 20-year term.

Lower Monthly Payments

By including an escalator that gradually increases the monthly payment, as utility rates increase over time, homeowners can get extremely low rates now, and pay less than they would have otherwise, through a utility. Programs are designed so that monthly payment rates will be lower than utility rates.

SunLender Reliability

Professionally Managed Solar PV systems are very reliable but a SunLender Lease provides the added assurance that if any problem with the system should arise

Someone else (SunLender) is taking care of it.

No Tax Filing Hassles

SunLender handles the paperwork for all tax credits, rebates or other incentives and passes the savings to the homeowner by offering lower rates.

Early Payments or Pay-off

Homeowners can choose to make an early payment or pay-off without fear of incurring an additional fee. This guarantee is included with all SunLender financing programs.

Immediately Save on Utility Costs

Upon interconnection, Homeowners have an opportunity to save on their utility bill for the lifetime of their system. The savings start immediately.

Equipment

SunLender has a wide variety of American-made or Imported equipment  included on their AVL (Approved Vendor List). Upon request we will vet vendors not currently included.

640 FICO Scores Accepted

With SunLender’s easy financing approvals, FICO credit scores as low as 640 are accepted to close the deal.

Transfer of Ownership

Transfer of ownership is made easy. If a Homeowner is selling their home, the system,can be transferred to the new owner, or the Homeowner can pay the agreement off with no penalty, and then sell their property with the added value of the solar (PV) system.

SunLender Residential Solar Loan

Many Homeowners find that owning their rooftop solar system is a better long-term solution. They may have the ability to use the Income Tax credits or Rebates and they are comfortable filing for them.

Interest Rates as low as 1.99%

SunLender offers a spectrum of interest rates and terms that are based on the strength of homeowner’s credit. Some rates for excellent credit start as low as 1.99%.

Tax Incentives and Rebates

Homeowners keep all available tax credits and rebates.

No Money Down

No money down and no out-of-pocket expenses are required for SunLender loans.

Credit (ITC). No Payment and No Interest will be required for 30% of the cost of the system during the first 12 months of the agreement.

FICO Scores As Low As 640 Accepted

SunLender’s advanced credit underwriting process creates a larger pool of potential customers that qualify, and that translates into more sales. With SunLender’s easy financing approvals, FICO credit scores as low as 640 are accepted to close the deal.

Early Payments or Pay-off

Homeowners can choose to make an early payment or pay-off without fear of incurring an additional fee.

Immediately save on Utility Costs

Fixed Rate

Homeowners may choose between a fixed rate or an adjustable financing program, whichever works best for them

No Payment/No Interest (Up to 30% for ITC)

An element of the SunLender Loan provides for giving the homeowner time to collect their 30% Income Tax

Upon interconnection, Homeowners have an opportunity to save on their utility bill for the lifetime of their system. The savings start immediately.

Equipment

SunLender has a wide variety of American-made or Imported Equipment included on their AVL (Approved Vendor List). Upon request we will vet new vendors not currently included.

Unsecured Loans

All SunLender loans are unsecured so they don’t impede the homeowner’s property.

SunLender Residential Energy Efficiency Loan

With over 42 years of experience offering Energy Efficiency Loans to homeowners and businesses, SunLender stands out as the only seasoned financier in the relatively young Solar market. SunLender makes it easy for you to become your customer’s one stop shop for Solar and Energy Efficiency upgrades.

Unsecured Contracts

Energy Efficiency loans do not impede the homeowner’s property

Immediate Credit Decisions

Credit decisions for Energy Efficiency and Solar can be requested at the same time, making the over-all process even faster.

Types of Energy Efficiency Programs

SunLender provides programs to help finance a wide range of improvements including but not limited to:

Electrical

  • Solar PV Systems
  • Lighting Retrofits
  • Storage Systems
  • Generators
  • Smart Home Upgrades

HVAC

  • Water Heaters
  • Furnaces
  • Air Conditioning

Building

  • Insulation
  • Roofing
  • Plumbing Retrofits
  • Siding
  • Security