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
Acquire new customers/members at near-zero cost
Atmos originates high-quality residential and small-business borrowers for you with less than one hour of work for you per month
Quickly launch a new, high-growth lending program
Our turnkey loan design and tech solution is purpose-built to help you get started in as little as a few months into solar, hvac, and energy efficiency.
Easily manage and scale your loan portfolio
Monitor and optimize your loans with our dashboard of real-time insights and in depth analytics.
Turnkey Loan Growth
Our end to end loan technology handles all the steps from customer sourcing through servicing and secondary sales, providing a seamless experience while keeping you in control.
1
Effortless Portfolio Construction
You set your lending criteria inside our system and build the portfolio that you want and adjust as needed. Craft your portfolio with customer type, geographic boundaries, credit box, and rates.
2
Acquire High-Value Customers via Vetted Distribution Network
Tap into Atmos' network of vetted installers to find homeowner or small business borrowers at the national, state, county, or census tract level. Be more competitive in your markets with integrated credit enhancements from philanthropic or government sources.
3
Underwrite at the Speed of Commerce
When purchase decisions are made at the kitchen or office table 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.
4
Origination & Boarding/Memberization
We handle all the nitty-gritty electronic document tasks like generating filled out loan agreements for all 50 states & multiple technologies, filing UCC-1 documents and boarding customers/members directly to your core.
5
We Vet & Fund the Construction So You Don’t Have To
Once the loan is signed, Atmos works with the installer to ensure that the project moves forward as planned following industry best practices and applicable codes. Atmos keeps you and the borrower apprised of the progress and distributes milestone payments on your behalf as the installer submits evidence of project completion.
6
Sell While We Service
Atmos doesn’t just collect and remit payment to you each month, we cross-sell and upsell borrowers on your additional loan or deposit products, increasing wallet share and deepening your relationships.
7
Audit a Multi-Million Dollar Portfolio in Minutes
Get deep portfolio analytics provided by our partner Banyan Infrastructure — see geographic and credit breakdowns, impact reporting, CRA or CDFI eligibility. Audit the entire portfolio, or individual loans with full KYB/KYC in less than one hour per month.
8
Liquidity is Part of the Platform
When you lend through Atmos, your loans are part of a greater pool with all 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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