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Mosaic makes the modern home possible by providing a financing platform for home improvement projects, including generating and storing solar energy and other smart upgrades. Mosaic empowers solar and home improvement professionals to deliver financing through a simple point-of-sale app creating a hassle-free and positive experience for both the contractor and homeowner. Since 2012, Mosaic has originated more than $2 billion in loans across the US. Mosaic has been honored by Fast Company as a Top Ten Most Innovative Company in Energy for two consecutive years. All Home Improvement Loans made by WebBank, Member FDIC.

Our Latest Press Releases

Contracting Business

FEBRUARY 26, 2021

HVACR Service With a Text

No-contact sales solutions are popular now, and into the future. For marketing, the best developers act as true partners in a contractor’s success. We hear from Podium, Mosaic, Scorpion, and HVAC contractor Tim Flynn, who uses Scorpion and ServiceTitan.

Solar Builder logo

AUGUST 31, 2020

The Pitch: Mosaic explains contactless solar sales and 12-month zero payment deal

Today on the Pitch we look at a new residential solar financing program from Mosaic, PowerSwitch Zero, that requires no payments for 12 months, plus a slick contact-less way to make the sale — Portal 2X. It’s all perfectly aligned for this difficult, Covid-era time in residential solar sales. Here to explain how it all works is Mosaic Chief Lending Officer Erin Talbot.

pv magazine logo

AUGUST 11, 2020

Mosaic launches new solar finance offering with no payments for the first year

Since the outset of the Covid-19 pandemic, companies across the solar industry have noticed a rising consumer interest in solar – people stuck in the house look for ways to improve it. One of these companies, Mosaic, has launched of a new solar finance offering that looks to capitalize on this rising interest in a format already familiar to consumers.

pv magazine logo

JULY 28, 2020

Jigar Shah: Pandemic reveals solar as ‘one of the largest, most trusted industries in the country’

On the residential side, Erin Talbot, chief lending officer at Mosaic, a residential solar and efficiency financier, said the pandemic could be a proving ground for 20-year consumer solar loans.

GlobalCapital logo

JUNE 30, 2020

Solar ABS appeals to investors as Covid impact muted

Residential solar finance company Mosaic’s foray into the recently reopened asset-backed securitization market was well received by investors, reaping a multiple-times oversubscribed order book, in part thanks to data that shows the pandemic having a limited impact on solar loans.

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JUNE 30, 2020

Investor demand stronger than ever: Mosaic completes another $280 million solar loan securitization

Mosaic, a leading provider of financing solutions for residential solar and energy-efficient home improvement projects in the U.S., closed a $280 million securitization of residential solar loans today.

pv magazine logo

APRIL 27, 2020

Job moves at NEXTracker, Tesla, Fluence, Mosaic, Vote Solar, Voltus, Nomura Greentech

Mosaic, a provider of solar financing for homeowners, added John Grady as VP of sales and Carol Sewell as VP of marketing. Grady was most recently VP of sales for EV charging company, ChargePoint.

pv magazine logo

APRIL 21, 2020

BNP Paribas expands Mosaic warehouse facility to $200 million, extends term

Mosaic, a provider of loans and financing for residential solar and home improvement projects in the U.S., just expanded its lending capacity with an approval from BNP Paribas for a $50 million increase in its warehouse lending facility.

Roofing Contractor logo

MARCH 10, 2020

Roofr Partners with Mosaic to Provide Roofers with Access to 0% Dealer Fee Consumer Financing Options

By collaborating with Mosaic, Roofr will provide its contractor network with access to 0% dealer fee options through the Mosaic financing platform. Roofr also provides additional tools and support to assist with growing their business and, ultimately, the market share for roofing.

pv magazine logo

FEBRUARY 17, 2020

New entrants Sunnova and Loanpal are key to record residential solar loan ABS issuance

Frequent securitizers Solar Mosaic and Dividend Finance issued $468 million and $235 million, respectively, in residential solar loan ABS in 2019.

Solar Builder logo

JANUARY 23, 2020

More than 100,000 homes have gone solar via Mosaic’s financing platform

The latest figures from the company show that it has surpassed $3 billion in loans funded through the company’s platform since inception, a culmination of efforts from its solar and home improvement business units.

Solar Industry logo

AUGUST 15, 2019

Mosaic, SunTrust Bank Form Solar Financing Partnership

Mosaic, a provider of solar financing solutions for homeowners, has announced a strategic loan origination partnership with SunTrust Bank.

Solar Power World logo

AUGUST 7, 2019

Mosaic, SunTrust Bank launch solar financing partnership

Mosaic announced a new strategic loan origination partnership with SunTrust Bank that will accelerate the growth of the installation of solar energy systems, batteries and related clean energy solutions for homeowners across the United States.

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JULY 30, 2019

Mosaic’s PowerSwitch 6 Residential Home Solar Loans: An Interview with GM of Solar, Erin Talbot

Installing solar panels on a household’s rooftop is an exciting moment for any family, but it’s also one that can come with some fear and hesitation due to the high costs. Mosaic is trying to change that and allow all homes to reap the benefits of installed solar systems.

Renewable Energy World logo

APRIL 29, 2019

New residential loan options make paying for solar easier

To make it easier for green-minded consumers to go solar, last week, two companies, EnerBank USA and Mosaic, each announced offerings that will help solar installers and homeowners get access to the capital needed to pay for solar PV systems.

Solar Power World logo

APRIL 18, 2019

Details on PowerSwitch 6, Mosaic’s latest residential solar financing innovation

Mosaic is synonymous with residential solar loans by this point and is celebrating its six years in the game with yet another innovative financing option: PowerSwitch 6.

Solar Builder logo

APRIL 18, 2019

Mosaic launches PowerSwitch 6 loan to help installers lower customer acquisition costs

Six years after Mosaic revolutionized the residential solar sector by offering innovative financing options, the company announced the launch of PowerSwitch 6, the next generation of home solar loans.

Solar Power World logo

JULY 11, 2018

Mosaic offers preferred financing benefits to Amicus Solar Cooperative members

Mosaic announced it has partnered with Amicus Solar, a member-owned cooperative comprised of approximately 50 regional solar energy companies, to provide Amicus members with access to Mosaic’s tool suite for financing the modern home.

Rolling Stone logo

NOVEMBER 17, 2017

25 People Shaping the Future in Tech, Science, Medicine, Activism and More

The Green Revolution must be financed. And Billy Parish, 36, has built a billion-dollar business that has yoked the financial muscle of Wall Street to the challenge of powering the nation’s homes with clean, efficient energy.

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NOVEMBER 1, 2017

Opinion: Trade case threatens more than just the solar industry

Mosaic’s CEO, Billy Parish writes about Section 201 trade case and how these potential tariffs would not only impact the solar industry, but other industries as well, including fintech.

The Motley Fool logo

SEPTEMBER 15, 2017

Solar loans are becoming big business

Residential solar installation financing used to be almost entirely backed by leases, which allowed an installer to aggregate risk and sell off different cash flows to investors. But long term, it’s likely that loans will play a much larger part in solar financing, as they do in home and auto sales.

gtm: A Wood Mackenzie Business logo

SEPTEMBER 13, 2017

Mosaic Will Sell $300 Million Worth of Solar Loans to Goldman Sachs

Solar loan provider Mosaic reached an agreement with Goldman Sachs in which the bank will buy $300 million in loans over time. Mosaic this week also finalized a partnership with Wave Solar to give Mosaic’s dealer partners a pre-negotiated discount on the lead-generation platform.

San Francisco Business Times logo

AUGUST 5, 2016

Oakland’s Mosaic Rakes in $220 Million to Advance Solar Financing

The financing was led by Warburg Pincus, a private equity firm based in San Francisco. Core Innovation Capital and Obvious Ventures, Twitter (NYSE: TWTR) founder Ev Williams’ venture firm, also contributed to the round. The company last raised $200 million in debt financing in April 2016, and has previously raised about $23 million in addition to a grant from the U.S. Department of Energy in 2012. The company was founded in 2010.

The Wall Street Journal logo

AUGUST 4, 2016

Warburg Pincus Leads $220 Million Round for Solar Lender Mosaic

Private-equity firm Warburg Pincus is leading a $220 million equity investment in energy-financing startup Solar Mosaic Inc. Mosaic partners with solar-installation contractors who offer its loans as an option to homeowners interested in getting solar or other energy upgrades. It says it has developed a quick credit-assessment formula, taking a page from the playbook of online-lending startups.

gtm: A Wood Mackenzie Business logo

AUGUST 4, 2016

Mosaic Raises $200M for Residential Solar Loans, Vivint Raises $313M

Mosaic claims to provide “the simplest borrower experience in the industry. Customers are connected to top solar installers and can qualify instantly for no money down loans with fixed interest rates and multiple term options. For solar installers, Mosaic provides a streamlined financing platform to drive sales growth.”

PV Tech logo

JULY 12, 2016

Mosaic Makes Three New Executive Hires

“We are thrilled to welcome Michael, Eric and Katya to Mosaic as we enter our next phase of growth,” said Billy Parish, founder and CEO at Mosaic. “Each of our new hires is an expert in their respective fields and will play an important role as we prepare to reach our goal of originating $1 billion in solar loans by the end of the year. Every day, more homeowners are choosing to transition from fossil fuel based electricity and move toward going 100% clean energy at home.”

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APRIL 27, 2016

Mosaic Raises $200 Million for U.S. Home Solar Loans

Solar Mosaic Inc, a former crowdfunding startup that reinvented itself as a provider of home solar loans, said on Wednesday it had secured $200 million in funding that will support at least 5,000 rooftop installations. Germany’s DZ Bank and New York state’s NY Green Bank provided the warehouse financing to the Oakland, California-based company, which goes by Mosaic.