Free Solar Sales Tool
Solar Financing Type Selector
Answer 4 questions about your homeowner and get a recommended financing product with the right lenders from Seamless Home's network.
Find the Right Financing Product
Answer 4 questions about this homeowner. We'll recommend the best financing type and lenders from Seamless Home's network.
1. Homeowner's estimated credit score
A rough estimate is fine. You don't need the exact number.
2. Does the homeowner have meaningful income tax liability?
A tax credit is only worth something to someone with tax to offset. Since the 30% federal residential credit ended for systems placed in service after Dec 31, 2025, this now bears only on state and local credits where they exist, verify eligibility with the homeowner's tax professional.
3. What's the homeowner's primary priority?
Pick the one that best describes what they care most about.
Informational use only, please verify before you rely on it
Financing product availability, credit requirements, rates, and incentive eligibility differ by lender, state, and homeowner, and change without notice. Nothing here is tax advice.
This tool is provided for general informational and educational purposes only. Its output is an illustrative estimate generated from the values you enter and from general assumptions that will not match every deal, market, lender, or homeowner. It is not tax, legal, accounting, financial, or professional advice, and it is not a quote, an offer, a credit decision, or a guarantee of pricing, approval, timing, savings, or eligibility.
You are solely responsible for independently confirming all information presented here including any figures, rates, fees, margins, timelines, tax treatment, and federal, state, local, or utility incentives, with the applicable lender, authority having jurisdiction, and your own qualified tax, legal, and financial advisors before acting on it, relying on it, or presenting it to a homeowner or any third party. Incentive programs, lender terms, and permitting requirements change frequently and vary by jurisdiction.
Seamless Home is not a tax advisor, law firm, lender, or licensed installing contractor, and makes no representation or warranty as to the accuracy, completeness, or currency of the information produced by this tool. To the fullest extent permitted by law, Seamless Home accepts no liability for any decision made or action taken in reliance on it.
Why multi-product access closes more deals
Most solar sales orgs default to one or two financing products, the ones they know best. The rep who only knows GoodLeap loans loses the homeowner who doesn't qualify for a loan or doesn't want one. The rep who only knows LightReach TPO loses the homeowner who wants to own the system, keep the equity, and avoid a lease escalator.
Getting the incentive story right matters just as much as getting the product right. The 30% federal residential tax credit that anchored ownership pitches for years ended for systems placed in service after December 31, 2025, so a rep still quoting it is quoting a credit the homeowner cannot claim. Ownership is still the stronger long-term position for the right buyer. It just has to be sold on equity, full lifetime production, and no escalator rather than on a federal credit.
The top-performing orgs offer all three product types and have a clear logic for which to present first based on the homeowner's situation. This tool formalizes that logic, it's the same decision framework an experienced solar sales rep uses in the field, surfaced as a simple 4-question form.
Seamless Home provides access to a multi-lender panel, GoodLeap, Sunlight Financial, LightReach, EnFin, Concert Finance, and Solrite, plus sell-on-our-paper options, through one workflow. So when the tool recommends a product type, all the right lenders are already available.
Frequently Asked Questions
When should a sales rep recommend a TPO product vs. a solar loan?+
TPO products (leases and PPAs) are ideal for homeowners who want $0 down, don't want an ownership or maintenance commitment, or have a credit profile that doesn't qualify for loan products. Solar loans are better for homeowners who want to own the system, keep the equity and full lifetime production with no lease escalator, and are comfortable with a loan payment, especially if their electricity savings will offset most of the monthly cost. Note that ownership no longer carries a 30% federal residential tax credit: that credit (Section 25D) ended for systems placed in service after December 31, 2025. The best-performing sales reps have both options available and select based on the homeowner's profile rather than defaulting to one product.
Can a homeowner still claim the 30% federal solar tax credit in 2026?+
No. The federal Residential Clean Energy Credit (Section 25D), the 30% credit a homeowner claimed on a system they bought and owned, applied to property installed from 2022 through December 31, 2025, and per the IRS it is not available for property placed in service after that date. Reps should not present a 30% federal credit to a homeowner buying a system in 2026. Business-side credits are separate: in a third-party-owned lease or PPA the provider owns the system and may claim the federal Clean Electricity Investment Credit (Section 48E) at the entity level, which is reflected in the rate they offer. State, local, and utility incentives are unaffected and vary by jurisdiction. Seamless Home does not provide tax advice, confirm current eligibility with a qualified tax professional and the administering authority before presenting any incentive.
What is sell-on-our-paper financing?+
Sell-on-our-paper is a financing path where the deal is funded through Seamless Home's own financing vehicle rather than a third-party lender. It serves as a fallback for deals that don't qualify for standard TPO or loan products, giving sales orgs a third path to close instead of losing the deal. It's not the right fit for every homeowner, but it's a meaningful additional close opportunity for orgs that would otherwise turn a deal away.
Can a homeowner qualify for multiple solar financing products?+
Yes. Most creditworthy homeowners qualify for both TPO and loan products. The question is which product is the better fit for their situation. A homeowner with excellent credit who plans to stay in the home long term is often better served by a solar loan, since ownership keeps the equity and the full lifetime production with no escalator, even though they also qualify for TPO. This tool helps identify the recommended starting point based on the homeowner's profile, not just what they qualify for.
Which solar lenders are available through Seamless Home?+
Seamless Home's financing network includes GoodLeap, Sunlight Financial, LightReach, EnFin, Concert Finance, and Solrite: covering TPO (LightReach), solar loans across multiple credit tiers (GoodLeap, Sunlight Financial, EnFin, Concert Finance, Solrite), and sell-on-our-paper options. All are accessible through one platform rather than requiring separate dealer agreements.
Related resources
Multi-lender solar financing
The right financing product on every deal across a network of lenders.
Learn more →How solar financing works
TPO vs. loan vs. sell-on-our-paper, how each funding path works.
Learn more →Direct Pay materials
Pair the right financing with discounted materials and no upfront capital.
Learn more →Offer every financing option on every deal
Seamless Home's multi-lender network gives your sales org access to TPO, loans, and sell-on-paper through one platform, so you always have a product that fits.
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