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Simple, straightforward responses to your FAQs.
Sunlight Financial is a leading point-of-sale financing provider for home improvement and solar projects. We partner with contractors nationwide to offer homeowners affordable and easy-to-access loans. By combining best-in-class technology, streamlined processes, and deep credit expertise, Sunlight Financial helps contractors grow their businesses while empowering homeowners to finance their upgrades confidently.
Yes—Sunlight Financial offers highly competitive interest rates. With a wide choice of programs including promotional plans, 0% dealer-fee options, and competitive APRs, contractors can match financing to customer budgets and project needs. Additionally, our Prime Plus Lending and Sunlight Maxx® programs support strong approval rates without sacrificing affordability.
Our platforms are built with robust security measures to protect sensitive data. Key features include: End-to-end encryption on all transactions and applications. Ongoing monitoring to ensure compliance with strict data protection standards. Infrastructure designed to safeguard contractor and homeowner data alike. This allows you to offer financing with confidence and reliability.
There are no platform fees to join Sunlight Financial. Contractors get free access to the Orange® sales portal, dashboards, reporting tools, and financing workflows. While dealer fees may apply to certain loan products, Sunlight Financial also offers zero-dealer-fee options, giving you flexibility to match loan products to your pricing and margins. Start offering financing immediately—no upfront costs, no subscription fees.
We finance a wide variety of home improvement projects, such as: Roofing, HVAC, Windows & Doors, Kitchen & Bath Renovations, Interior & Exterior Remodeling, Decks & Patios, Fencing, Energy Efficiency Improvements, Home Automation, And More. Eligible property types include: Owner-occupied primary or secondary homes, Single-family residences, Investment properties, Multi-family residences (up to 4 units), Townhomes or row homes. This comprehensive eligibility allows contractors to assist a wider range of homeowners with diverse project needs.
Sunlight Financial offers loan amounts up to $100,000 and multiple APR and loan term combinations to meet the diverse needs of homeowners. Our comprehensive suite includes options with: Diverse term lengths and repayment structures. Promotional loan offers to support affordability. Tools like the Product Management feature in the Orange® platform for tailored solutions.
Yes—our programs support a broad range of credit tiers. We provide: Prime Plus Lending: Serves prime customers with flexible terms and high approval rates. Sunlight Maxx®: Extends approval capabilities to near-prime and sub-prime customers while maintaining affordability. This allows contractors to serve more homeowners by offering customized loan options in real time.
By giving you tools to close deals faster and increase your ticket sizes. Benefits include: Affordable monthly loans to address homeowner budget concerns. Instant credit decisions via streamlined platforms for faster project approvals. Fast, reliable funding processes to maintain cash flow and complete projects on time. Dedicated support and enhanced user experience through tools like Orange® and APIs.
Offering financing is easy with our streamlined process: Log in to our portal to present financing options at the point of sale. The homeowner completes a digital application with results in as little as 30 seconds. Loan terms are finalized with electronic agreements. Contractors upload project contracts directly into the platform. Installation is verified, and payments are processed—often within 24 hours. This paperless workflow allows you to streamline sales while offering customers flexible payment options.
No—Sunlight Financial handles all credit checks and loan documentation. From application to loan processing, everything is digitally managed in the Orange® and Tangerine™ platforms. Contractors can focus on completing projects, while Sunlight Financial handles: Approvals, Underwriting, Funding documentation. Progress can be tracked in real time through your platform's dashboard.
Payments are processed as fast as 24 hours after project verification. Payments are tracked in real-time via the Orange® and Tangerine™ portals. A Remittance Dashboard provides daily payment reports and transaction insights, ensuring accuracy in managing project financing.
Homeowners can get a credit decision in as fast as 30 seconds. Sunlight Financial's paperless application process—powered by the Orange® and Tangerine™ platforms—delivers instant responses from any device. The fast decision-making process minimizes friction, allowing your sales team to move quickly, close deals faster, and provide a seamless experience for homeowners at the kitchen table.
Yes—Sunlight Financial requires contractors to meet standard licensing and business qualifications. The qualifications typically include: Holding contractor licenses appropriate for the states in which you operate. Maintaining valid business credentials and proper documentation. Demonstrating proof of business operations, such as an active website. During onboarding, Sunlight Financial will also request financial and business documents (e.g., banking information) for underwriting. These reviews ensure a reliable and lasting partnership that benefits both your company and the homeowners you serve.
No—there is no impact during the application process itself. Sunlight Financial uses soft credit pulls for decisions, ensuring no harm to credit scores. Credit is only affected if the homeowner proceeds with the loan and it is funded. This encourages exploration of financing options risk-free for homeowners.
Contractors can sign up easily via our online application portal. Sign up here: https://sunlightfinancial.com/enroll/. Provide appropriate documentation, such as contractor licenses, proof of business credentials, and banking details. Sunlight Financial will review your application and guide you through onboarding for a seamless setup process.
Sunlight Financial simplifies the financing process into four easy steps: Submit Application: The homeowner completes a quick digital application. Decisions often take only 30 seconds. Sign Documents: Approved loan documents are e-signed in the Orange® platform. Upload Contract: Contractors upload the project contract and any required paperwork. Request Funding: After installation verification, funds are released—often within 24 hours. This process eliminates friction, reduces paperwork, and keeps projects moving smoothly.
Sunlight Financial provides contractor-focused tools and features: Streamlined, paperless platforms to simplify the financing process. Easy onboarding with minimal training required. Dashboards for real-time visibility into financing. Fast, reliable payments to maintain healthy cash flow. Dedicated support teams and account managers to optimize your financing strategy. These features ensure that projects are completed faster and efficiently.
Financing removes cost barriers, helping contractors close more deals. Homeowners are more likely to: Choose larger project scopes with affordable monthly payment plans. Make decisions faster without price objections. Engage with contractors who offer seamless, competitive financing options. Sunlight Financial tools like Orange® and Tangerine™ support point-of-sale conversations, ultimately boosting conversions and revenue.
Financing helps contractors grow their businesses while staying competitive: Win more jobs by offering affordable monthly payment options. Increase average ticket sizes with larger, accessible project scopes. Improve cash flow with reliable funding in as little as 24 hours. Streamline operations with tools like automated workflows and dashboards for tracking installations. By integrating financing into their sales process, contractors can secure customer trust, increase close rates, and scale their operations efficiently.
Sunlight Financial provides comprehensive support to ensure a seamless experience: Our SunDial support team is available six days a week for application assistance, funding queries, and troubleshooting. Dedicated account managers guide contractors through onboarding, training, and program optimization. With more than $10 billion in loans funded and over 15,000 sales professionals who have leveraged Orange®, Sunlight Financial ensures reliable service and solutions.
Sunlight Financial offers two intuitive financing platforms: Orange®: A comprehensive, customizable solution offering: Advanced reporting, proposals, and dashboard controls. Flexible loan configurations with dealer fees, promotional terms, or custom pricing options. Tangerine™: Designed for simplicity with: Mobile-first design for contractors requiring fast, streamlined decisions. 0% dealer fees on all fixed-term options. QR/text-enabled tools for instant customer applications. Choose Orange® for advanced customization or Tangerine™ for ease of use.
Yes—our API integration capabilities allow connection to the most popular CRM systems. This enables: Streamlined workflows with reductions in manual data entry. Synchronization of financing processes with operational tools, like installation and lead tracking. Sunlight Financial's APIs allow contractors to build a connected and efficient operation.