GoodLeap
GoodLeap is a U.S. fintech and SaaS company that originates and services financing for residential solar, storage, HVAC, and home improvement upgrades, serving 1.5M+ homeowners and 6,600+ contractors across all 50 states through a unified platform spanning loans, leases, PPAs, contractor software, and an AI-driven residential Virtual Power Plant program.
- Company typePrivate
- Founded2018
- HeadquartersRoseville, United States
- Headcount501–1,000
- GTM typeB2B and B2C
- OfferingServices
What GoodLeap does
GoodLeap is a privately held U.S. fintech and SaaS company headquartered in Roseville, California, that originates and services financing for residential sustainable home upgrades — solar, storage, HVAC, roofing, windows, doors, and related home improvement categories. The company operates a unified platform with three operating surfaces: consumer-facing financing products (Home Improvement Loans up to $55,000 with 5-15 year terms, HVAC Leases, Solar Leases and PPAs, HELOC, and the Go Green Advantage loan consolidation product); contractor-facing software (the Origin desktop application, the GoodLeap Pros mobile app on iOS and Android, the DeDe AI agent, and the GoodLeap Payments processing service launched in 2025); and the GoodGrid AI-driven Virtual Power Plant program that aggregates residential solar batteries and smart thermostats for utility grid services in partnership with state green banks and utilities. The platform is embedded with 6,600+ contractors and 6,500+ solar distributors across all 50 states via direct onboarding, the Direct Pay distributor-funded program, and hundreds of pre-built CRM, proposal, and design tool integrations exposed through no-code, low-code, and full-code APIs.
GoodLeap generates revenue primarily through (a) net interest income on originated loans and leases, (b) recurring payments on owned solar and HVAC assets under leases and PPAs, (c) gain-on-sale economics from 24 completed asset-backed securitizations — including a $523M home improvement loan deal and two new solar lease/PPA securitizations ($183M and $140.2M) closed in late 2025 — with Bank of America, Goldman Sachs, CIBC Capital Markets, and Citigroup as primary capital markets counterparties, and (d) transaction fees from the new GoodLeap Payments service and contractor SaaS subscriptions. Cumulative volume financed has reached $67B across 1.5M+ homeowners.
The company serves three primary customer segments: U.S. homeowners seeking financing for sustainable upgrades; residential solar, storage, HVAC, and home improvement contractors who originate GoodLeap-funded products and use the contractor software stack; and a secondary layer of solar distributors (under the Direct Pay program), software integration partners (ServiceTitan, Aurora Solar, Daikin, Watsco, etc.), and state/utility energy agencies that deploy the GoodGrid VPP. Founded as Loanpal and rebranded to GoodLeap, the company is venture-backed — MSD Partners led an $800M round in October 2021 at a $12B valuation — and employs approximately 1,400 people across U.S. and Mexico offices. GoodLeap is regulated across 50+ states as NMLS #30336, with FHA Direct Endorsement Lender, VA Lender, USDA Lender, and Equal Housing Lender designations.
GoodLeap firmographics
Firmographics- Name
- GoodLeap
- Legal name
- GoodLeap, LLC
- Website
- https://goodleap.com
- Company type
- Private
- Founded year
- 2018
- Operating status
- Operating
- Headcount range
- 501–1,000 employees
- Short description
- GoodLeap is a U.S. fintech and SaaS company that originates and services financing for residential solar, storage, HVAC, and home improvement upgrades, serving 1.5M+ homeowners and 6,600+ contractors across all 50 states through a unified platform spanning loans, leases, PPAs, contractor software, and an AI-driven residential Virtual Power Plant program.
- Ownership category
- akta.pro rank
GoodLeap industry classification
Industry- Product category
- Sustainable Home Financing Platform
- NAICS
- Sales Financing (522220), Sales Financing (52222)
- SIC
- Services-Prepackaged Software (7372), Cogeneration Services & Small Power Producers (4991), Services-Computer Programming Services (7371)
- akta.pro primary industry
- DER Financing, Leasing & Billing Platforms (TPO, PPA, On-Bill) (EUAMAJAJ)
- akta.pro secondary industries
- Home Improvement & Contractor POS Financing (FSAKAFAJ), Home Improvement Personal Loans (Unsecured Installment) (FSAKAAAE), Smart Building Software Platforms (IWMS/CAFM Integration, Digital Twin, Command Center) (BPABAGAG)
Keywords
Where GoodLeap is headquartered
LocationHeadquarters
- HQ city
- Roseville
- HQ country
- United States
- HQ region
- North America
Markets served
GoodLeap business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel
Revenue model
- Home Improvement Loans: Fixed-rate, fully amortizing loans up to $55,000 with 5-15 year terms, no prepayment penalties, 0.50% Autopay discount, and no upfront costs. Funded by GoodLeap and then securitized via capital markets.
- HVAC Lease: 10-year HVAC lease with low monthly payments, annual maintenance included, 10-year parts & labor coverage, buyout option, and no large balloon payments. Project costs from $7,500+. GoodLeap owns and maintains the system. Available for Daikin, Rheem (Carrier, Trane, & Lennox coming soon).
- Solar Lease or Power Purchase Agreement (PPA): Solar-only, Solar + Battery Backup, and Solar + EnergyShift Battery offerings with predictable annual escalators, option to prepay or purchase after five years, balanced billing, $10/month ACH Autopay discount, and transferable agreements. GoodLeap monitors and maintains the system.
- Securitization (capital markets): GoodLeap originates loans, leases, and PPAs and pools them into asset-backed securitizations sold to banks and capital markets investors; $523M home improvement loan securitization (Dec 2025) plus $183M and $140.2M solar lease/PPA securitizations with Tactical Infrastructure Partners in 2025.
- GoodLeap Payments (transaction processing): Mobile and in-platform payment processing service launched in 2025 for contractors across home improvement and roofing verticals, with transparent pricing and no hidden fees.
- Contractor SaaS subscriptions (Origin, GoodLeap Pros): Proprietary Origin™ desktop and GoodLeap Pros™ mobile applications provide end-to-end pipeline management for contractors; integrated with CRM/proposal/design tools. Pricing not publicly disclosed.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Unit Pricing | Monthly | Home Improvement Loan — competitive rates, 5-15 year terms, up to $55,000, fixed rates, no prepayment penalties, 0.50% Autopay discount. |
| Subscription | Monthly | HVAC Lease — 10-year term, low monthly payments, maintenance and 10-year parts & labor coverage included, buyout option. |
| Subscription | Monthly | Solar Lease or PPA — predictable annual escalator, balanced billing, $10/month ACH Autopay discount, option to prepay or purchase after five years. |
| Transaction based/ take rate | Pay-as-you-go | Direct Pay Program — 10-second approvals, highly competitive interest rates, next day funding for solar installers via distributors. |
| Subscription | Monthly | Origin™ desktop and GoodLeap Pros™ mobile SaaS for contractors — pricing not publicly disclosed. |
| Transaction based/ take rate | Pay-as-you-go | GoodLeap Payments — payment processing for contractors with transparent pricing and no hidden fees. |
Go-to-market motion5 records
Distribution channels6 records
Marketing channels10 records
GoodLeap product offering
Product offeringCore offering
GoodLeap originates and funds residential loans, leases, and Power Purchase Agreements (PPAs) for sustainable home products including solar, battery storage, HVAC, roofing, windows, doors, siding, water heating, smart home, and EV chargers, available in all 50 U.S. states. It complements these financing products with a contractor SaaS suite (Origin desktop, GoodLeap Pros mobile, GoodLeap Payments, DeDe AI Agent), a consumer GoodLeap Home app for autopay and energy insights, the GoodGrid AI Virtual Power Plant software for utility battery aggregation, and an open developer platform exposing no-code, low-code, and full-code Financing APIs.
Product overview
GoodLeap operates a unified sustainable home solutions platform built around its core financing products (Home Improvement Loan, HVAC Lease, Solar Lease/PPA, HELOC, and Go Green Advantage loan consolidation) and a suite of contractor- and homeowner-facing software modules. For homeowners, the GoodLeap Home App provides account management, Autopay, energy insights, and shopping for energy-efficient upgrades, while the GoodGrid Virtual Power Plant program turns enrolled home batteries and smart thermostats into an AI-steered distributed energy resource. For contractors, GoodLeap Pros (mobile) and Origin (desktop) manage the financing and payment pipeline, complemented by the GoodLeap Payments processing solution, the DeDe AI Agent for real-time project assistance, the Direct Pay Program that pays distributors directly to free installer working capital, and the GoodLeap Developer Platform (with no-code, low-code, and full-code Financing APIs) for CRM, proposal, and design tool integrations. Together, these products connect contractors, homeowners, and financing within a single commerce platform for residential solar, storage, HVAC, roofing, windows, and other sustainable home upgrades, with $67B cumulative volume financed to date across more than 1.5 million homeowners.
Differentiator
Problem solved
Functional benefit
Brands
- GoodGrid: AI-steered software for virtual power plant (VPP) programs, integrating with utility distributed energy resource management systems (DERMS) to reduce energy costs, improve grid resilience, and advance clean energy goals. Marketed as GoodGrid® - Solar Financing and Grid Solutions.
- Origin
- GoodLeap Pros
- GoodLeap Payments
- Go Green Advantage
- DeDe AI Agent
- GivePower
Products and services
- GoodLeap Home Improvement Loan Fixed-rate, fully amortizing residential loan product with 5-15 year terms, loan amounts up to $55,000, no prepayment penalties, a 0.50% Autopay discount, and no upfront costs, available across all 50 U.S. states for HVAC, roofing, windows, doors, siding, smart home, EV chargers, water heating, home performance, water efficiency, and other sustainable upgrades.
- GoodLeap HVAC Lease 10-year HVAC lease with low monthly payments, annual maintenance included, 10-year parts and labor coverage, a buyout option, and no large balloon payments, for project costs of $7,500+. Available for Daikin and Rheem (with Carrier, Trane, and Lennox coming soon); GoodLeap owns and maintains the system.
- GoodLeap Solar Lease or Power Purchase Agreement (PPA) Solar lease or PPA offering immediate energy cost savings with no upfront cost, per-kWh pricing below the local utility, predictable annual escalators, balanced billing, a $10/month ACH Autopay discount, option to prepay or purchase after five years, and a transferable agreement; GoodLeap monitors and maintains the system. Available in AZ, CA, CO, CT, DE, FL, GA, HI, ID, KS, MA, MD, ME, MI, MO, NH, NJ, NM, NV, OH, OK, OR, PA, TX, VA, WA, WY, and Washington D.C.
- HELOC (Home Equity Line of Credit) Home Equity Line of Credit providing flexible access to funds for home upgrades, big expenses, or peace of mind.
- Go Green Advantage Loan consolidation product that lets customers roll an existing solar or sustainable home improvement loan into a single GoodLeap loan to take advantage of GoodLeap's rates and save money.
- GoodLeap Home App Consumer mobile (iOS, Android) and web application for homeowners to manage GoodLeap accounts, make payments, enable Autopay, download statements, track solar production and energy usage for Tesla, SolarEdge, and Enphase systems, shop for energy-efficient upgrades, and participate in the $500 referral program.
- GoodLeap Pros Mobile App Mobile application (iOS and Android) for contractors in the field to manage financing and payment pipelines from start to finish; integrates with the GoodLeap API and developer financing tools.
- Origin Desktop Application GoodLeap's proprietary desktop web application for back-office contractor teams to manage financing operations and pipeline; integrates with the GoodLeap API and developer financing tools.
- GoodLeap Payments Quick, simple, and secure payment processing solution that enables contractors to take payments for financing, services, and products with no extra hardware required; integrated into Artemis v4.0 to support 20+ payment methods.
- GoodGrid Virtual Power Plant AI-steered Virtual Power Plant program (GoodGrid) that enables homeowners with solar batteries or smart thermostats to earn monthly cash rewards by sharing stored energy with the grid during peak demand; integrates with utility Distributed Energy Resource Management Systems (DERMS).
- Direct Pay Program Capital and distributor program where GoodLeap pays distributors directly for installers' equipment purchase orders for GoodLeap-funded solar systems, freeing installer working capital; offers 10-second approvals, highly competitive interest rates, and next-day funding through 24+ top U.S. solar distributors.
- GoodLeap Developer Platform Open developer ecosystem offering no-code Consumer Credit Application Links, low-code Application Share for CRM/proposal tool embedding, and a full modular Financing API with real-time loan decisions and soft credit pull capabilities, supported by hundreds of pre-built CRM/proposal/design/dealer integrations.
Quantifiable outcome
- $67B cumulative volume financed to date
- +8 more outcomes
Companies that use GoodLeap
Customer profileNamed customers15 records
Segments6 records
Ideal customer profiles5 records
GoodLeap technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration13 records
AI capability2 records
Feature8 records
GoodLeap partnerships and signals
Strategic signalPartnerships
24 partnerships are on record, tiered core, minor and flagship.
- Artemis (formerly Monalee)coreArtemis v4.0 (released April 27, 2026) integrates GoodLeap Payments, enabling contractors to collect over 20 payment methods directly within the Artemis platform. GoodLeap and Artemis co-hosted a live webinar on April 28, 2026 to demonstrate the release.
- ReliantcoreReliant and GoodLeap announced a collaboration to expand access to residential battery storage in Texas, enabling customers to earn $40 per month by participating in a Virtual Power Plant (VPP) program. Homeowners can lease batteries or enter PPAs with GoodLeap managing installation and enrollment.
- American Fintech Council (AFC)minorGoodLeap joined the American Fintech Council (AFC) on November 6, 2025 to advance essential home financing solutions, gain collaboration with fellow fintech leaders, and signal commitment to responsible innovation in financial services.
- Connecticut Green BankflagshipConnecticut Green Bank and GoodLeap launched an AI-driven Virtual Power Plant (VPP) program in Connecticut that networks residential home batteries to reduce grid strain. GoodLeap's GoodGrid AI software integrates with utility DERMS; the program offers customers $7,000–$8,000 rebates and GoodLeap has set a goal of 3,000+ subscribers and ~25 MW of capacity in year one.
- GivePower FoundationcoreGoodLeap is a proud founding partner of GivePower, an award-winning nonprofit that builds and deploys life-saving water and clean electricity systems, changing the lives of more than 2 million people across Africa, Asia, and South America.
- ServiceTitanflagshipServiceTitan is a primary integration partner for GoodLeap's home improvement financing — GoodLeap joins ServiceTitan's Pantheon 2025 conference and GoodLeap's financing APIs are integrated into ServiceTitan's field service management platform for HVAC, plumbing, and electrical contractors.
- Aurora SolarcoreAurora Solar's solar proposal and design platform integrates with GoodLeap financing, enabling solar installers to offer GoodLeap financing directly within Aurora's workflow.
- DaikincoreDaikin is one of GoodLeap's featured HVAC manufacturer partners; Daikin HVAC systems are available through GoodLeap's HVAC Lease program. Daikin also appears as a GoodLeap integration partner on the Developers page.
- WatscocoreWatsco, the largest U.S. HVAC distributor, is featured as both a GoodLeap integration partner and a participating distributor that supports the financing of HVAC installations through the GoodLeap platform.
- PowurminorPowur is featured as a solar business using GoodLeap's CRM-embedded financing options.
- SunrunflagshipSunrun is featured as a major residential solar business using GoodLeap's diverse CRM-integrated financing options.
- WESCOflagshipWESCO is a participating distributor in GoodLeap's Direct Pay program — GoodLeap pays WESCO directly for installer purchase orders for all GoodLeap-funded solar systems.
- GraybarflagshipGraybar is a participating distributor in GoodLeap's Direct Pay program for solar installers.
- SoneparcoreSonepar is a participating distributor in GoodLeap's Direct Pay program for solar installers.
- RexelcoreRexel is a participating distributor in GoodLeap's Direct Pay program for solar installers.
- CED (Consolidated Electrical Distributors)coreCED is a participating distributor in GoodLeap's Direct Pay program for solar installers.
- Baywa r.e.coreBaywa r.e. is a participating distributor in GoodLeap's Direct Pay program for solar installers.
- Capital ElectricminorCapital Electric is a participating distributor in GoodLeap's Direct Pay program for solar installers.
- AEE SolarcoreAEE Solar is a participating distributor in GoodLeap's Direct Pay program for solar installers.
- Crescent Electric Supply CompanycoreCrescent Electric is a participating distributor in GoodLeap's Direct Pay program for solar installers.
- SoligentcoreSoligent is a participating distributor in GoodLeap's Direct Pay program for solar installers.
- KrannichcoreKrannich is a participating distributor in GoodLeap's Direct Pay program for solar installers.
- OneSourceminorOneSource is a participating distributor in GoodLeap's Direct Pay program for solar installers.
- CES (City Electric Supply)minorCES is a participating distributor in GoodLeap's Direct Pay program for solar installers.
Scale indicators18 records
Recent moves9 records
Expansion highlights7 records
GoodLeap competitors and assessment
Company assessmentOthers
- EnergySage: EnergySage is a leading solar shopping marketplace that connects homeowners with vetted installers and explicitly features GoodLeap as a financing option on its TPO review page. Adjacent ecosystem participant that drives demand into GoodLeap's financing.
Direct peers
- EnFin (Generac): EnFin is Generac's residential solar financing arm offering lease and loan products to homeowners through installer and dealer channels. Direct comparable in solar-specific financing with a strong distribution tie-in to a major equipment manufacturer, analogous to GoodLeap's Daikin HVAC Lease program.
- Mosaic: Mosaic is a residential solar and sustainable home improvement financing platform offering solar loans, PPAs, and home improvement loans to homeowners through installer and contractor channels. It is the closest direct peer to GoodLeap in solar-and-home fintech origination.
- LightReach: LightReach provides solar loans and PPA/lease financing to residential solar installers nationwide. Like GoodLeap, it sits between contractors and capital markets, enabling homeowners to adopt solar with little or no upfront cost.
- Dividend Finance: Dividend Finance offers residential solar, storage, and home improvement loans originated through a national contractor network, then funded via its own balance sheet and securitization program. Highly comparable in target customer (homeowner via contractor), product set, and securitization funding model.
Broad incumbents
- Sunnova Energy: Sunnova is a major U.S. residential solar and storage service provider that owns and services a large lease/PPA portfolio. Comparable as a vertically-integrated incumbent in residential solar financing and adjacent to GoodLeap in homeowner energy finance.
- Sunrun: Sunrun is the largest U.S. residential solar lease/PPA owner-operator and installer, with an integrated finance, install, and service offering. It is both a GoodLeap distribution partner (uses GoodLeap CRM-embedded financing) and a broad incumbent competing for the same TPO/PPA dollars.
- Sunlight Financial: Sunlight Financial was a major U.S. residential solar and home improvement loan originator whose business model closely mirrored GoodLeap's, including securitization funding. Listed historically for comparability, but currently undergoing financial distress/bankruptcy proceedings.
Emerging players
- Spruce Power: Spruce Power owns and services a portfolio of more than 75,000 residential solar leases and PPAs acquired from third-party originators. Comparable in that it represents the asset-owner side of the same lease/PPA paper GoodLeap originates and pools into securitizations.
- Arcadia: Arcadia operates a clean-energy data platform that connects utility data, community solar, and residential DER programs. Comparable as an emerging platform enabling VPP/DER participation that intersects with GoodLeap's GoodGrid utility partnerships.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat7 records
Key risks6 records
Key highlights7 records
Customer concentration
GoodLeap social profiles
Digital presenceGoodLeap compliance and trust
Trust signalCompliance1 record
GoodLeap financial estimates
Financial estimateRevenue estimate
Valuation estimate
GoodLeap leadership team
Management profileNumber of profiles
Profiles15 records
GoodLeap funding detail
Funding detailFunding overview
Funding rounds6 records
Investors11 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
GoodLeap M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about GoodLeap
What does GoodLeap do?
GoodLeap originates and funds residential loans, leases, and Power Purchase Agreements (PPAs) for sustainable home products including solar, battery storage, HVAC, roofing, windows, doors, siding, water heating, smart home, and EV chargers, available in all 50 U.S. states. It complements these financing products with a contractor SaaS suite (Origin desktop, GoodLeap Pros mobile, GoodLeap Payments, DeDe AI Agent), a consumer GoodLeap Home app for autopay and energy insights, the GoodGrid AI Virtual Power Plant software for utility battery aggregation, and an open developer platform exposing no-code, low-code, and full-code Financing APIs.
Is GoodLeap a public or private company?
GoodLeap is a private company. It is classified as venture growth investor backed and is currently operating.
When was GoodLeap founded?
GoodLeap was founded in 2018. It employs 501 to 1,000 people.
Where is GoodLeap based?
GoodLeap is headquartered in Roseville, United States, in the North America region.
How does GoodLeap make money?
Six revenue lines are on record. Home Improvement Loans are the primary driver. The others are HVAC Lease, solar Lease or Power Purchase Agreement (PPA), securitization (capital markets), goodLeap Payments (transaction processing) and contractor SaaS subscriptions (Origin, GoodLeap Pros).
Who are GoodLeap's main competitors?
EnergySage is listed as an others. Direct peers are EnFin (Generac), Mosaic, LightReach and Dividend Finance. Broad incumbents are Sunnova Energy, Sunrun and Sunlight Financial. Emerging players are Spruce Power and Arcadia.
Does GoodLeap have an API?
Yes. GoodLeap offers a developer platform with three tiers: no/low-code Consumer Credit Application Links (customizable URLs for web pages, email signatures, or invoices), low-code Application Share (embed a secure credit application directly into CRM or sales tools with minimal development), and a full Financing API with fully modular endpoints to integrate financing into contractor workflows. The platform is used by home improvement businesses, solar businesses, and proposal/design businesses to automate repetitive tasks, reduce overhead, and enhance customer experiences with soft credit pull capabilities and real-time loan decisions. Developer documentation is at developer.goodleap.com.
What industry is GoodLeap in?
GoodLeap's product category is Sustainable Home Financing Platform. Its primary akta.pro industry code is EUAMAJAJ, DER Financing, Leasing & Billing Platforms (TPO, PPA, On-Bill), with a secondary code of FSAKAFAJ, Home Improvement & Contractor POS Financing. Its NAICS code is 522220 and its SIC code is 7372.