Financing Smarter Homes

Our consumer finance products are designed to help people reduce their total utility bills and provide investors with attractive long-term economics.

large market opportunity

We offer the broadest range of financing for residential solar and energy efficiency improvements on a single platform. Our finance products are available in all 50 states and Washington, DC. Product and geographic breadth allow us to serve a rapidly growing annual U.S. market of more than $70B.

spruce solar contractor on roof

strong financial partner, proven experience

We have deployed more than $1B in solar and energy efficiency financing to date and raised more than $2.5B through a variety of capital market transactions, including back-leverage, tax equity, securitization, SREC sales and whole loan sales.

Efficient Go-to-market strategy

We use a proprietary software platform to make our finance products available to a national network of channel partners who offer the financing to homeowners and perform the installation. We manage billing and maintain a long-term relationship with homeowners, creating future cross-sell opportunities.


reliable risk management, attractive returns

We enjoy high risk-adjusted returns and an attractive mix of recurring revenue sources, thanks to our disciplined risk management, proprietary underwriting algorithm and unique dataset. Our credit models were developed based on decades of experience servicing and financing energy efficiency loans, and go well beyond FICO scores.

invest with spruce

We work with accredited investors and are unable to accommodate individual investors at this time. If you are interested in investment opportunities with Spruce, please email