Turnkey clean energy
lending solutions for banks

Build a high-performance portfolio helping homeowners and small businesses achieve energy independence and resilience.

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Key Benefits
The industry's fastest onramp to clean energy lending at scale
Launch a custom program in weeks with embedded products and tools. Then, monitor and optimize your growing portfolio in real-time through in-depth analytics and insights.
Effortless customer acquisition, stronger customer relationships
Atmos builds multi-dimensional customer acquisition models rooted in relationship banking. We want lenders to originate loans directly with borrowers, so they get more than just an asset.  
Unlock staggering potential with 360-degree program management  
From vendor and construction management to our vast network of API-interconnectivity, Atmos is a software solution purpose-built to help values-aligned lenders do more.

Clean Energy Lending, right out of the box

Tap into the only end-to-end loan origination and servicing platform that manages every step of the customer journey, providing a seamless experience while keeping you in control.
1
Effortless Portfolio Construction
Build a portfolio that matches your institution's unique strategies and credit policies. Easily set lending criteria and automatically match to targeted borrowers in real-time based on your own competitive pricing.
2
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Acquire High-Value Customers via a Vetted Distribution Network
Atmos works with the industry's most trusted installers and developers to support distributed clean energy done well. Our proven vendor management tools and industry-specific workflows keep lenders safe and customers front-of-mind.
3
Underwrite at the Speed of Commerce
When purchase decisions are made at the kitchen table or in a single meeting, underwriting decisions need to happen faster. Atmos competes on your behalf, underwriting to your credit box at the speed of modern business. But that's not all. We elevate the customer experience with complete transparency and technical assistance at every possible turn.
4
Origination & Boarding
From auto-generating your unique loan agreements to filing UCC-1 documents and boarding new customers or members directly to your core, we handle all the nitty-gritty so your teams can focus on value creation.
5
Embedded Construction Management Protects All Stakeholders
Once loans are signed, Atmos works with our installation partners to ensure projects move forward as planned, and according to industry standards. Atmos APIs keep borrowers, lenders and builders apprised of progress every step of the way, and schedule milestone payments with complete audit history.
6
We'll Service, You Engage
Atmos servicing modules allow customers to easily make loan payments through a tech-enabled interface. Market ancillary products to your customers directly in our payment portal, and work with us to bring more valuable services to light to deepen you customer relationships.
7
Audit a Multi-Million Dollar Portfolio in Minutes
Conveniently access portfolio analytics — see impact reporting and geographic, credit and loan performance snapshots. Audit the entire portfolio or individual loans with full KYB/KYC.
8
Liquidity is Part of the Platform
When you lend through Atmos, your loans are part of a greater pool with other participating lenders, giving you a faster path to liquidity, whether that’s participating out your loans to another Atmos lender, whole loan sales to institutional buyers, or a full-on offering into the securitization markets.

Unlock expert insights

Download our whitepaper to explore smart financing solutions for solar energy. Learn how to maximize savings, and make the switch to clean energy with confidence.

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Power your solar future with smart financing

Flexible lending solutions to make clean energy more accessible and affordable.

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Atmos Financial is a financial technology company, not a bank. Banking services are provided by our partner financial institution, Five Star Bank, Warsaw NY (Member FDIC). Please see your account agreements for more information. Lending not available in all markets.

Consumer Loans: When you first pre-qualify for a solar or electrification loan, we perform a soft credit inquiry that does not affect your credit score. If you proceed with your application and submit a formal request for credit, we do another hard credit inquiry that will impact your credit score. If you take out a loan, repayment information may be reported to the credit bureaus.

Atmos Financial is not the lender. All loans on Atmos' marketplace are made by regulated financial institutions in accordance with their approved underwriting and credit criteria.

Rates and credit requirements may differ across participating lenders. Offers may differ based on the project address due to participating lenders serving your specific location.