EnFin partners with installers to help them complete more residential solar projects by offering seamless, fast financing.
Financing your customer’s solar projects through EnFin gives you access to the country’s #1 manufacturer of solar panels, Qcells. This partnership reduces the cost of your projects and gives your customers financing options that get funded quickly.
Apply online and get approved quickly to begin taking advantage of EnFin's solar financing solutions.
Provide requested documentation and get approved as an EnFin partner
Get access to the partner platform and begin inviting your customers to apply for EnFin financing
Becoming an EnFin partner gives you access to funding from a trusted solar industry leader for your homeowner’s solar installation projects.
No, EnFin is not a bank. We are a financial technology provider supported by a chartered financial institution, Hatch Bank.
Partnering with EnFin is quick, easy, and 100% digital. The process is as follows:
1. Submit Digital Partner Application & Upload Documents
2. eSign EnFin’s Dealer Agreement & ACH Payment Form
3. Complete EnFin’s Installer Training (approximately 1 hour)
Hatch Bank is EnFin’s chartered financial institution. Installers receive payments directly from Hatch Bank.
EnFin has competitive Installer Disbursement Schedules. Information about Disbursement Schedules is provided during the Installer onboarding process.
Yes, EnFin is a fully integrated digital platform.
Notifications are highlighted within EnFin’s streamlined Partner Portal.
Our Installer Support hours are Monday through Friday, 8:00 AM to 5:00 PM Pacific Time, with
weekend availability coming soon. You can contact Installer Support by visiting our contact page here. Once onboarded with EnFin, Installers are assigned to a dedicated Business Relationship Associate for direct and personalized support.
EnFin offers competitive interest rates. Apply as a Partner Installer to learn more.
Yes, we offer homeowners a 0.25% APR discount if they are enrolled in ACH autopay. This incentive is not available if the homeowner is not on ACH autopay.
No. Homeowners only pay for interest that has already accrued. Prepayments get applied to accrued interest first, and then applied to the principal.
The homeowner’s first payment is due between 2 to 3 months following the loan start date or loan sign date.
Yes, EnFin allows co-borrowers.
EnFin recommends for the loan to be paid off by the original homeowner. However, at times, the new homebuyer may decide to assume the solar loan. The new homebuyer will be required to go through an application process with EnFin. To inquire about the transfer process, homeowners can call (866) 970-1109 to speak with a specialist. They must reach out at least 30 days in advance of closing on their home sale to begin this process.
If the homeowner decides to refinance their mortgage, homeowners can call (866) 970-1109 to speak with a specialist. They must reach out at least 30 days in advance of refinancing to begin this process.
EnFin does not place a lien on the home. However, EnFin proceeds with a UCC-1 Filing and a County Fixture Filing, which will reflect on the property’s title. By doing so, this places a security interest on the solar system property in which EnFin has financed.
No. You can use any solar panel product for your homeowner’s projects with EnFin funding. However, we offer better rates/fees on Qcells panel projects.
You have the option to prequalify homeowners through a soft pull credit check to provide them with the confidence they need to proceed with the hard pull credit application. If prequalification is not done in-person, you can text or email the homeowner a prequalification link instead. Prequalification takes approximately 2 minutes, and the application takes approximately 5 minutes.
Yes. As the first solar manufacturer-backed financing institution in the United States, EnFin takes years of solar industry experience and applies it to fund residential solar projects with the highest-degree of service and ease in the industry.
Homeowners must seek tax guidance from their tax advisors only, not from their Installer or from EnFin.
The Target Prepayment is a voluntary payment based on the estimated Solar Investment Tax Credit (ITC) of 30% of the system price. A homeowner has a choice to use the estimated amount of ITC towards the Target Prepayment, along with their month 18 payment.
If a homeowner makes the voluntary Target Prepayment along with their month 18 payment, the monthly payments from payment 19 and onward will stay the same. If a homeowner pays less than the voluntary Target Prepayment, financing will re-amortize at month 18 and the monthly payment will increase starting from payment 19 and onward based on the remaining balance. If a homeowner pays more than the voluntary Target Prepayment, financing will re-amortize at month 18 and the monthly payment will decrease starting from payment 19 and onward based on the remaining balance.
The interest rate will stay the same in all cases except for the 0.25% ACH autopay discount when applicable.