Energy Efficiency

Close More Insulation, Encapsulation, and Energy-Efficiency Jobs With Simple Financing

ENROLL

Sunlight Financial helps contractors turn those “someday” upgrades into same-day sales. With instant approvals, flexible monthly payments that highlight energy savings, and 0% dealer fee options, you can confidently sell bigger insulation, encapsulation, and whole-home efficiency projects without cutting into your margins. Our all-digital, paperless platform makes it fast and simple—so you can spend less time chasing approvals and more time growing your business.

Fast Credit Decisions

Approvals down to 600 FICO to help turn more estimates into signed contracts.

0% Dealer Fee Options

Keep more of every contract with no dealer fees while protecting your margins.

6-Click Application

Close jobs at the kitchen table with a fast, mobile-friendly process.

Fast, Stable Funding

Get funded in as little as 24 hours to keep installs and cash flow moving.

Learn how Sunlight can grow your business

Enter your info below and a Sunlight representative will contact you within 24 hours.

Company

First name

Last name

State

Phone number

Est. Yearly Revenue

Number of Employees

Years in Business

Do you have an existing retail sales system that does not primarily serve insurance jobs?

Do you currently use a CRM system to track leads and manage your sales pipeline?

If Yes, please tell us which CRM you use

Do you have sales administration support beyond sales reps/owners to adequately support your sales pipeline and financing?

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By checking “Yes”, I expressly consent to Sunlight sending me messages – including texts made using an automatic telephone dialing system – related to the status of my application at the number I provided above. Accepting this consent is not required to obtain any items or services. Msg & data rates may apply.

Notes

Flexible Financing for Energy Efficiency Projects

Sunlight Financial is the contractor-first financing partner that helps homeowners invest in energy-efficient upgrades without hesitation. Whether it’s installing a high-efficiency HVAC system, upgrading insulation, or adding solar-ready windows, our full-spectrum lending solutions give your customers options while helping your business win more projects.

Loan amounts up to $100,000 with 0% dealer fee options
Flex Approvals™ for change orders, upgrades, or mid-project adjustments
Good / better / best payment calculator to guide affordability conversations
Digital, paperless platform with funding in as little as 24 hours

With Sunlight, you can make energy-efficient solutions more accessible to homeowners while keeping your sales process smooth and your margins intact.

Make energy-efficient upgrades affordable while helping homeowners save on utility costs.

When the process of offering financing to homeowners is frictionless, your sales team can accomplish more. In less than 5 minutes, salespeople can go from application to loan documents, and you can receive funding in less than 24 hours to ensure projects move fast and efficiently. That’s why we continue to improve our financing process and our Orange® and Tangerine™ portal so your team can focus on what they do best: sales. Here are some of the tools that simplify the financing process:

Paperless Process

Our portal and mobile app provide flexibility. No paperwork or sales slips required

Easy Change Orders

Submit change orders with one click in Orange® and avoid downtime

In-Person Signing

Homeowners can review and sign loan documents at the kitchen table to avoid delays

Orange®: Advanced Sales & Tracking for High-Volume Energy Efficiency Contractors

For established energy efficiency companies, Orange® delivers a robust platform designed for large-scale projects. From managing multiple insulation, air sealing, and HVAC upgrades to offering homeowners side-by-side financing options, Orange® helps your team close more projects quickly and efficiently.

Why top energy efficiency contractors choose Orange®:

No impact to homeowners' credit until funding with soft credit checks
Side-by-side payment calculator (good / better / best options)
Fully paperless process with e-signature loan documents
Mobile app plus dedicated support for in-home consultations
Reporting dashboards to track approvals, funding, and project performance
Seamless Flex Approvals™ for upgrades, add-ons, or mid-project adjustments

Orange® gives energy efficiency contractors the tools to scale operations, increase approvals, and keep projects moving smoothly.

Learn More About Orange®

Tangerine™: Simplified Financing for Growing Energy Efficiency Contractors

For growing energy efficiency companies, Tangerine™ offers a streamlined, mobile-first solution that accelerates approvals and keeps projects on schedule. With no dealer fees, instant approvals, and flexible payment options, it’s built for contractors who want quick, hassle-free financing.

Key benefits of Tangerine™ for energy efficiency contractors:

No dealer fees = more margin to reinvest in your business
Mobile-first access from the job site or during in-home consultations
Loan terms up to 15 years, making upgrades more affordable for homeowners
Fast funding to help manage cash flow
Expanded access for a broader range of homeowner credit profiles

Energy efficiency contractors using Tangerine™ can offer homeowners flexible financing that makes energy-saving upgrades easier to say “yes” to.

Learn More About Tangerine™

attract new customers

Leverage financing as a lead generation tool

Our financing programs will allow you to grow your potential customer base by making your energy efficiency services more affordable to a larger number of homeowners. If clients can choose between a contractor that offers flexible financing solutions or a contractor that offers cash only, they’re more likely to move forward with you.

Close More Sales

Meet your customers’ needs and increase their buying power

Increase Margins

Financing increases average ticket size and allows for upgrades

Get Paid Faster

Easy one-click portal delivers funds fast and conveniently

Happy Customers

Max approvals allow projects to go from “fix it” to “improve it”

WE OFFER UNMATCHED SUPPORT

Complete Support for Energy Efficiency Contractors

At Sunlight Financial, we provide the tools and guidance your team needs to make financing energy-saving projects simple and seamless. Our SunDial™ support team is available six days a week to answer questions or troubleshoot any issues that arise. As a Sunlight partner, you’ll also have a dedicated account manager who can provide strategic guidance and help grow your business. Whether it’s navigating Orange®, Tangerine™, or new financing options, we’re here to support you every step of the way.

With a strong track record in credit, consumer finance, and home improvement, Sunlight Financial has funded over $10 billion in loans and supported more than 15,000 sales professionals using Orange®. Connect with a Sunlight representative and learn how we can help your energy efficiency business thrive.