Financing for Smarter Homes

We offer the widest variety of residential solar and energy efficiency financing on a single software platform.

MANY OPTIONS, ONE PLATFORM

No matter how a homeowner wants to finance a home solar system or energy efficiency improvements, we’ve got the product. All products have an option for no upfront costs. Products are available via our SpruceFlow™ software platform. It guides contractors seamlessly from sale through installation, and makes it easy for homeowners to understand the proposal.

Ownership
State and federal rebates & tax incentives
Billing period
Payments
Availability
SOLAR PACE
Homeowner
Homeowner may be eligible
Once every 6 months
Fixed based on assessment amount paid through property taxes
CA
SOLAR LOAN
Homeowner
Homeowner may be eligible
Monthly
Fixed based on amount financed and APR
24 states
SOLAR PPA
Spruce
Spruce
Monthly
Rate-based, varies with actual system production
CA, CT, MA, NJ, NY
ENERGY EFFICIENCY LOAN AND RIC
Homeowner
Homeowner may be eligible
Monthly
Fixed based on amount financed and APR
50 states

NATIONWIDE AVAILABILITY

We offer solar financing in 24 states. Energy efficiency financing is available in all 50 states and Washington D.C. Solar PACE financing is currently available in California.

A LICENSED CONSUMER LENDER

Spruce has financed and serviced tens of thousands of home energy and efficiency projects throughout the U.S. Spruce Lending, Inc. our wholly owned subsidiary, is registered with the National Mortgage Licensing System & Registry and holds lending licenses in every state that requires them.

View our lending licenses >

JOIN OUR CHANNEL PARTNER NETWORK

Offer your customers affordable finance options and grow your business. Apply to join our network today.