One platform. Every funding option.

Solar financing is how a homeowner pays for a system over time instead of in cash. Most often a TPO lease or PPA (a third party owns the system and the homeowner pays for the power), a solar loan (the homeowner owns the system and repays over a term), or selling on the provider's paper. Seamless Home gives residential solar sales organizations, installers, and EPCs access to all three across a single platform.

Instead of negotiating and maintaining separate relationships with each lender, you offer every homeowner the right product through one workflow, with funding from GoodLeap, Sunlight, LightReach, EnFin, Concert Finance, and Solrite. Multi-lender access means a homeowner who falls outside one lender's credit box can still be matched to another, so fewer closed deals stall at financing.

No single financing product wins every deal. The reason multi-lender access matters is that the right structure depends on the homeowner's credit, tax appetite, and whether they want to own the system. Here is how the three paths compare:

TPO leases and PPAs work best for homeowners who want $0 down and no maintenance responsibility, or who don't want to own the asset. A third party owns the system; the homeowner pays a fixed lease or a per-kWh rate for the power. It is the easiest approval path and the fastest close, but the homeowner does not own the asset and long-run savings are usually lower than ownership.

Solar loans fit credit-qualified homeowners who want to own the system and capture the full lifetime savings with no lease escalator. Ownership delivers the strongest long-term economics, but approval depends on credit tier, and dealer fees on low-APR loan products can compress your margin, which is why matching the product to the homeowner, rather than defaulting to one lender, protects both the close and the deal economics.

Sell-on-our-paper gives you a funding path for qualifying deals without setting up your own lending relationships, useful when a homeowner falls outside a partner lender's box but the deal still pencils. Because Seamless Home routes deals across GoodLeap, Sunlight, LightReach, EnFin, Concert Finance, and Solrite from one workflow, you run the homeowner once and offer the strongest product they qualify for instead of losing the deal to a single lender's credit box.

For a deeper walk-through of how each structure is repaid and when to use it, see how solar financing works. To pair financing with materials, read how Direct Pay materials removes the upfront working-capital requirement on every job.