GoodLeap

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.

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

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

• Sustainable home financing
• Residential solar loans
• Contractor financing software
• Virtual power plant platform
• Home improvement lending

Headquarters

HQ city

Roseville

HQ country

United States

HQ region

North America

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel

Revenue model

1. 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.
2. 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).
3. 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.
4. 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.
5. 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.
6. 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

Go-to-market motion5 records

Distribution channels6 records

Marketing channels10 records

Core 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

Named customers15 records

Segments6 records

Ideal customer profiles5 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration13 records

AI capability2 records

Feature8 records

Partnerships

24 partnerships are on record, tiered core, minor and flagship.

• Artemis (formerly Monalee)coreTechnology or Integration · 27 April 2026Artemis 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.
• ReliantcoreStrategic or Co-development Partner · 24 November 2025Reliant 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)minorOthers · 6 November 2025GoodLeap 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 BankflagshipStrategic or Co-development Partner · 27 August 2025Connecticut 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 FoundationcoreStrategic or Co-development Partner · 1 January 2018GoodLeap 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.
• ServiceTitanflagshipTechnology or IntegrationServiceTitan 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 SolarcoreTechnology or IntegrationAurora Solar's solar proposal and design platform integrates with GoodLeap financing, enabling solar installers to offer GoodLeap financing directly within Aurora's workflow.
• DaikincoreTechnology or IntegrationDaikin 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.
• WatscocoreChannel Partner/ Reseller/ DistributorWatsco, 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.
• PowurminorChannel Partner/ Reseller/ DistributorPowur is featured as a solar business using GoodLeap's CRM-embedded financing options.
• SunrunflagshipChannel Partner/ Reseller/ DistributorSunrun is featured as a major residential solar business using GoodLeap's diverse CRM-integrated financing options.
• WESCOflagshipChannel Partner/ Reseller/ DistributorWESCO is a participating distributor in GoodLeap's Direct Pay program — GoodLeap pays WESCO directly for installer purchase orders for all GoodLeap-funded solar systems.
• GraybarflagshipChannel Partner/ Reseller/ DistributorGraybar is a participating distributor in GoodLeap's Direct Pay program for solar installers.
• SoneparcoreChannel Partner/ Reseller/ DistributorSonepar is a participating distributor in GoodLeap's Direct Pay program for solar installers.
• RexelcoreChannel Partner/ Reseller/ DistributorRexel is a participating distributor in GoodLeap's Direct Pay program for solar installers.
• CED (Consolidated Electrical Distributors)coreChannel Partner/ Reseller/ DistributorCED is a participating distributor in GoodLeap's Direct Pay program for solar installers.
• Baywa r.e.coreChannel Partner/ Reseller/ DistributorBaywa r.e. is a participating distributor in GoodLeap's Direct Pay program for solar installers.
• Capital ElectricminorChannel Partner/ Reseller/ DistributorCapital Electric is a participating distributor in GoodLeap's Direct Pay program for solar installers.
• AEE SolarcoreChannel Partner/ Reseller/ DistributorAEE Solar is a participating distributor in GoodLeap's Direct Pay program for solar installers.
• Crescent Electric Supply CompanycoreChannel Partner/ Reseller/ DistributorCrescent Electric is a participating distributor in GoodLeap's Direct Pay program for solar installers.
• SoligentcoreChannel Partner/ Reseller/ DistributorSoligent is a participating distributor in GoodLeap's Direct Pay program for solar installers.
• KrannichcoreChannel Partner/ Reseller/ DistributorKrannich is a participating distributor in GoodLeap's Direct Pay program for solar installers.
• OneSourceminorChannel Partner/ Reseller/ DistributorOneSource is a participating distributor in GoodLeap's Direct Pay program for solar installers.
• CES (City Electric Supply)minorChannel Partner/ Reseller/ DistributorCES is a participating distributor in GoodLeap's Direct Pay program for solar installers.

Scale indicators18 records

Recent moves9 records

Expansion highlights7 records

Others

• 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

• Xtwitter.com/onegoodleap
• YouTubeyoutube.com/c/GoodLeapLLC
• Facebookfacebook.com/onegoodleap
• LinkedInlinkedin.com/company/goodleapllc
• Instagraminstagram.com/onegoodleap

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles15 records

Funding overview

Funding rounds6 records

Investors11 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about GoodLeap