OneEthos connects customers to the nation’s most affordable ethical solar financing for residential customers and commercial, providing solar installers nationwide with all the tools they need to close more deals.
With OneEthos, solar financing has never been more accessible or impactful. Read more about what makes us so special!
1. Instant Prequalification in 60 Seconds
When you’re an approved installer with OneEthos, you can prequalify most clients in 60 seconds based on name, address, income, date of birth, and project amount! This allows clients to get prequalified and see their potential loan options without any negative impact on their credit score.
Our prequalification is a firm commitment, pending verification. That means you can move forward with the purchase contract knowing your customer will likely be approved for financing.
2. 5-Minute Loan Application with Auto Decisioning
Once the client has become prequalified, the final loan application takes just 5 minutes and provides an auto decision. Installers will receive real-time text and email updates as the client progresses through the loan application. Installers now have full visibility of the entire loan application process!
3. Loan Documents Automatically Generated at Point of Sale
With our newly released feature, installers can generate loan documents and capture signatures at point of sale immediately after the final loan application submission. Our loan application process can take less than 5 minutes!
4. Regulated by the Federal Reserve Bank
OneEthos is one of the only FinTechs in the United States regulated by the Federal Reserve Bank. All loans are funded and serviced by our affiliate Climate First Bank, an FDIC-insured digital community bank, and the fastest growing new bank in the U.S. since 2009. As a regulated financial institution, Climate First Bank has a stable source of funds and can offer some of the most affordable financing options with no dealer fees. This partnership ensures that your clients receive reliable and secure financial services backed by regulatory standards.
5. 30.5-Year* Residential Solar Loans with No Prepayment Penalty
OneEthos, powered by Climate First Bank, offers a 30.5-year* term for residential solar loans. This competitive term, in conjunction with no dealer fees, provides one of the lowest monthly payments on the market. We offer 100% financing and no prepayment penalties, allowing clients to pay off their loans early without any extra costs.
6. Investment Tax Credit (ITC)
Clients can keep their tax credit, if eligible, and still pay less than what they’d be paying with our competitors! The clients' monthly payments will not increase but could decrease with re-amortization. Climate First Bank’s solar loan customers can apply their ITC or any other early principal payments to their solar loan and re-amortize the payment over the remaining term at any time, making it easy for customers to take advantage of a reduced payment anytime they choose to reduce their principal balance with an early paydown, from tax credit or otherwise. Read our blog explaining tax credits.
7. Project Management Capability and Speed
Using the OneEthos installer portal, you can keep track of all of your solar projects, see what needs action, and manage your team, all at your fingertips! Our technology ensures fast processing times, and we have key stats to back it up.
8. Grow Your Business with Ethical Solar Financing
OneEthos’ ethical solar financing model is designed to help installers close more deals and earn more referrals.
By eliminating dealer fees and offering some of the most competitive loan terms on the market, installers can present clients with affordable monthly payments that make solar accessible from day one. This transparency builds trust, and trust builds your reputation.
When homeowners feel confident in their financing, they’re more likely to recommend you to friends, family, and neighbors. That’s how our network of over 620 installers continues to grow - through word-of-mouth and a shared commitment to doing solar the right way.
With OneEthos, you’re not just installing panels - you’re building long-term relationships and a brand that people believe in.
9. No Dealer Fees!
Reduce the cost of projects by 30% or more, and close deals by eliminating dealer fees. Our Residential Solar Loan Program provides one of the lowest monthly payments on the market.
10. Auto-Decisioning for Commercial Loans
OneEthos technology platform provides a simplified application process for commercial solar loans (including automated decisions for loans under $350,000), 100% financing, and no dealer fees. Additionally, OneEthos supports commercial loans from as low as $25,000 to as high as $20 million.
Auto-decisioning streamlines the loan process for businesses, making it easier and faster to secure financing. By automating the decision-making process, businesses can quickly access the funds they need to grow and thrive without the lengthy delays typically associated with traditional loan applications.
11. 25.5-Year Commercial Solar Loans
OneEthos offers a competitive 25.5-year commercial solar loan with an 8.99% interest rate and no dealer fee. This pricing, combined with potential tax benefits for commercial projects, allows businesses to benefit from lower monthly payments and make solar more affordable. And because we allow unlimited loan re-amortization throughout the term of the loan, businesses can, in turn, allocate their resources towards growth and meeting their operational needs.
12. OneEthos Growth & Expansion
Since OneEthos’ inception in 2022, we have achieved remarkable milestones in the solar loan industry. We have processed over $365 million in solar loan applications and originated more than $190 million in solar loans. Earlier in 2025, we proudly expanded our operations into all 50 states, further solidifying our presence nationwide. Our network of solar installers has grown to over 620 strong. It continues to expand, demonstrating the effectiveness of our platform and the significant value we provide for installers and their clients. This rapid growth underscores our commitment to supporting sustainable energy solutions and highlights the trust and confidence that our partners and customers place in OneEthos.
Summary
Thank you for exploring the unique benefits and features that OneEthos offers. We are dedicated to providing exceptional financial solutions and unwavering support to help our installers and their clients achieve success. With OneEthos, installers have all the tools they need to close more deals and build trust and reputation with their clients.
Stay connected with us for more updates and insights as we innovate and enhance our services. If you want more information or inquire about becoming an installer with OneEthos, please contact info@oneethos.com.
Join us in promoting ethical solar lending and become an installer today!
*As an example, on a $50,000 loan at 7.97% APR you might pay $0 per month for 6 months, followed by $365.75 per month over 360 months. Processing and documentation fees may apply (starting at $1,125.00). Loans are provided by Climate First Bank, Member FDIC, and are subject to credit check and approval.
