Save Time. Sell More.

We offer the broadest range of energy efficiency and solar financing on a single, easy-to-use software platform.


Grow your business with a variety of consumer finance products, powerful technology and value-added services.

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Expand your market

Sell to more people with a wide variety of finance products.

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Do what you do best

We manage billing so you can concentrate on expanding your business.

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Streamline the process

Easy milestones ensure you get paid quickly and the project gets completed on time.

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Get robust support

Access a customized resource portal and support team.

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Scale and grow

Value-added services can help you grow volume and scale, and manage your cash flow.

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Sell faster

Our SpruceFlow™ platform lets you close deals quickly with a single, secure credit and title check on mobile devices.

Learn more about our financing, software and services.


Sell to more people and close more deals with a variety of energy efficiency and solar financing.

Solar PPA

Our rate-only Solar PPA gives you an apples-to-apples product to sell against current customer electric utility rates. The simple rate and service agreement helps you avoid cancels, resigns and other costly delays. And with SpruceFlow, you can qualify your customer for both the Solar PPA and the Solar Loan with a single credit and title check.

Solar PPA >

Solar Loan

Our Solar Loan features a fast, simple three-step sales process that saves you time and is easy for homeowners to understand. It’s available for more residential property types than ever. Flexible term, APR and upfront payment options make it an attractive option for a variety of customers.

Solar Loan >

PACE Financing

Spruce PACE is available to contractors in many California cities. PACE is a great option for customers with good credit, as well as those who need alternative financing options. High approval rates and no contractor fee make it a competitive product for your business. And SpruceFlow lets you qualify a customer for Spruce PACE, Solar PPA and Solar Loan with a single title and credit check, so you can offer them the product that suits their needs.

Spruce PACE >

Energy Efficiency Loan and RIC

Offer your customers financing for a wide variety of energy efficiency improvements with our Energy Efficiency Loan and retail installment contract (RIC) options. Flexible terms, low interest rates and a simple application help you get your customer the financing they need. No contractor fees, same-day funding and instant credit results help you close deals quickly and profitably.

Energy Efficiency Loan and RIC >


We provide a steady flow of capital for financing, as well as easy-to-use technology to sell and plan your projects.

    • Financing options for customers across the credit spectrum
    • Seamless technology for managing your projects
    • Value-added services and programs
    • Contractor support and training

We work with both solar contractors and energy efficiency contractors.