Financing · kitchen-table reality check
Solar financing for homeowners
Today’s solar loan is usually an API decision inside the proposal — soft pulls, dealer fees, and multi-tier payments — not a separate bank trip. Use these guides to decode GoodLeap, Sunlight, marketplaces, and the widgets that sent you here. For 2026 cash/loan buys, do not assume a federal 25D tax-credit payment drop still applies.
Guides
- How solar loans workSoft pulls, dealer fees, re-amortization, and what to demand in writing.
- Embedded solar financeWhy kitchen-table loans now run through APIs inside proposal software.
- Solar loan APIsAuth, credit payloads, webhooks, and PPW guardrails developers integrate.
- Affiliate widgets & marketplacesEnergySage embeds, CPA networks, and top-of-funnel prequal widgets.
Tier-one loan providers
Marketplaces & specialized lenders
- WisetackEmbedded widgets for mid-size jobs — repairs, batteries, HVAC — up to $25k.
- HearthMulti-lender marketplace from $1k to $250k with estimate + invoice SaaS.
- Acorn FinanceEmbeddable soft-pull prequal widget for installer websites in all 50 states.
- EnergySageWidget-driven solar marketplace — calculators, community solar, affiliate program.