OneEthos

What OneEthos does

OneEthos is a St. Petersburg, Florida-based fintech that operates a point-of-sale solar lending platform connecting solar installers with mission-driven financial institutions, primarily community banks, credit unions, CDFIs, and green banks. Founded in 2022 and structured as a Certified B Corp and Delaware/Florida public benefit corporation, the company is held by parent Climate First Bancorp and explicitly positions itself as one of the only fintechs in the United States regulated by the Federal Reserve Bank. Its product surface includes a mobile/desktop installer app with loan calculators, a 30-second loan decisioning engine, an installer portal with API-based CRM and project management integrations, and a "FastTrack" program for commercial solar small business originations. The company also offers a national loan solution for Tesla Solar Roof and Powerwall financing and, through the March 2026 Bodhi acquisition, a solar customer experience platform with automation and AI tools that has supported 30,000+ solar installations with an average installer NPS of 65.

Monetization is driven by transaction and processing fees on originated solar loans, loan participation arrangements with financial institution partners, and platform/onboarding fees paid by installers. Pricing is partially disclosed: solar loans are offered at an 8.49% APR over a 30.5-year term with no dealer fees and no pre-payment penalties, with processing and documentation fees starting at $1,125 per transaction. Go-to-market is dual: installers self-onboard through the website and use the platform at point of sale, generating loan referral volume; community banks, credit unions, CDFIs, and green banks are reached through direct enterprise sales with personalized demos for loan portfolio participation. Distribution has scaled to 41 U.S. states, a network of 9,000+ energy consultants, and 500+ approved installer partners, with the $400 million-plus in solar loan applications processed since inception representing the platform's primary scale proxy. Capital structure: OneEthos itself is privately held and employee count sits at 1-10; the operating parent Climate First Bancorp has raised $222 million in total capital, including a $67 million June 2026 strategic round co-led by Wellington Management and AllianceBernstein, and operates Climate First Bank, an affiliated institution with nearly $2 billion in assets and over $555 million in solar project financings to date.

Name

OneEthos

Legal name

OneEthos Inc.

Website

https://oneethos.com

Company type

Private

Founded year

2022

Operating status

Operating

Headcount range

1–10 employees

Short description

OneEthos is a climate finance fintech that operates a point-of-sale solar lending platform connecting solar installers with mission-driven financial institutions (community banks, credit unions, CDFIs, and green banks). Regulated by the Federal Reserve Bank, it operates across 41 U.S. states via a network of 9,000+ energy consultants and 500+ approved installer partners.

Ownership category

akta.pro rank

Product category

Solar Financing Platform

NAICS

Computer Systems Design and Related Services (54151)

SIC

Finance Services (6199), Mortgage Bankers & Loan Correspondents (6162)

akta.pro primary industry

Solar Financing, Leasing & Ownership Platforms (Tax Equity, PPA, Securitization) (EUAMABAJ)

Keywords

• Solar lending platform
• Climate fintech software
• Point-of-sale lending
• Green banking technology
• Loan participation services

Headquarters

HQ city

St. Petersburg

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

Technology or R&D, Personnel, Marketing or Sales, Operations

Revenue model

1. Solar Loan Transaction Fees: OneEthos facilitates solar loans between financial institution partners and solar installers/end consumers, generating revenue through transaction fees on processed loans. Since inception in 2022, the platform has processed over $400 million in solar loan applications.
2. Solar Loan Participation: End-to-end consumer, commercial and community solar lending solution includes demand generation, processing and loan servicing to financial institutions, with revenue derived from loan participation arrangements.
3. Platform/Subscription Fees: Solar installers pay to access the platform's loan application tools, calculators, and customer tracking features. Processing and documentation fees apply starting at $1,125.00 per transaction.

Pricing tiers

Go-to-market motion3 records

Distribution channels3 records

Marketing channels3 records

Core offering

OneEthos provides a fintech solar lending platform that enables solar installers to offer ethical, no-dealer-fee solar financing at the point of sale and enables mission-driven financial institutions (community banks, credit unions, CDFIs, and green banks) to grow solar loan portfolios profitably. The platform includes a POS app with loan calculators, a 30-second loan decisioning engine, an installer portal, APIs for CRM/project management integration, and end-to-end loan participation services with impact reporting.

Product overview

OneEthos is a fintech company operating at the intersection of financial technology and traditional banking, offering a platform-plus-services model. The core offering is the OneEthos Solar Lending Platform, a point-of-sale application enabling solar installers to offer ethical financing. This platform is complemented by the acquired Bodhi customer experience platform (offering automation and AI tools), the FastTrack Program for commercial solar, and a National Loan Solution for Tesla products. For lenders, OneEthos provides Solar Loan Participation services including demand generation and impact reporting. The company also offers solar loan products (30.5-year term, 8.49% APR, no dealer fees) in partnership with Climate First Bank. OneEthos processes loan applications and facilitates lending through its technology platform, serving both installers and financial institutions across 41 states.

Differentiator

Problem solved

Functional benefit

Products and services

• OneEthos Solar Lending Platform A point-of-sale fintech platform for solar installers to offer ethical solar financing at the point of sale, featuring a loan calculator, pay-off scenario calculator, loan application portal, customer tracking dashboard, and 30-second loan decisioning. Designed for residential and commercial solar installation companies.
• Solar Loan Participation End-to-end consumer, commercial and community solar lending solution for financial institutions that includes demand generation from installer networks, loan processing and loan servicing, enabling mission-driven lenders to grow solar loan portfolios profitably.
• Bodhi Customer Experience Platform A solar customer experience platform offering automation and AI tools that help solar installers build trust, drive referrals, and generate repeat customers. Acquired by OneEthos; has facilitated over 30,000 solar installations with an average NPS of 65.
• FastTrack Program Program designed to make commercial solar financing significantly easier and faster for small business owners, streamlining the loan origination experience for the commercial solar segment.

Quantifiable outcome

• $400M+ in solar loan applications processed since 2022
• +5 more outcomes

Named customers4 records

Segments3 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

AI capability2 records

Feature7 records

Partnerships

Three partnerships are on record, tiered core and flagship.

• BodhicoreStrategic or Co-development Partner · 31 March 2026OneEthos acquired Bodhi, a solar customer experience platform with automation and AI tools. Bodhi has facilitated over 30,000 solar installs and has an average NPS of 65. The acquisition combines affordable financing with customer experience software to help U.S. solar installers grow.
• Montgomery County Green BankflagshipStrategic or Co-development Partner · 17 March 2026Launched a $4 million clean energy financing initiative with Montgomery County Green Bank, expanding on a successful pilot program. The initiative aims to lower borrowing costs and extend subsidy periods to make clean energy adoption more accessible for county residents.
• TeslaflagshipStrategic or Co-development Partner · 17 February 2025OneEthos launched a national loan solution for Tesla's Solar Roof and Powerwall storage systems, enabling homeowners to finance Tesla solar products through the OneEthos platform.

Scale indicators10 records

Recent moves6 records

Expansion highlights6 records

Emerging players

• Spruce Power: Spruce Power is a residential solar and energy services finance company that owns and services distributed solar assets, providing a comparable climate-finance platform with a focus on residential solar economics.

Direct peers

• Sungage Financial: Sungage Financial is a solar loan marketplace that connects installers with lenders and offers consumer solar loan products, directly comparable to OneEthos's core lending platform offering.
• Mosaic: Mosaic is a leading solar financing platform that provides loan products to homeowners through a network of solar installers, directly competing with OneEthos's core point-of-sale lending and installer-network model.
• GoodLeap: GoodLeap is one of the largest point-of-sale solar and home improvement financing platforms in the U.S., directly competing with OneEthos in installer-channel loan origination and climate-fintech positioning.
• Sunlight Financial: Sunlight Financial is a residential solar loan originator serving the installer channel with a marketplace model, providing a direct comparable to OneEthos's solar lending platform and lender-participation structure.
• Loanpal: Loanpal is a solar loan originator and fintech platform serving residential solar installers, making it a direct competitor to OneEthos in point-of-sale solar lending for installer partners.
• Dividend Finance: Dividend Finance provides solar loan origination and servicing through an installer network and lender partnerships, directly comparable to OneEthos's dual-sided installer/lender marketplace model.

Regional players

• PosiGen: PosiGen is a residential solar installer and financier focused on low-to-moderate income households, sharing OneEthos's mission-driven ethos and no-dealer-fee value proposition in a related but regionally concentrated market.

Broad incumbents

• Sunrun: Sunrun is the largest U.S. residential solar installer and also offers solar leases and loans, representing a vertically integrated incumbent with overlapping solar financing and installer-channel operations.
• EnerBank USA: EnerBank USA is an FDIC-insured bank specializing in home improvement and solar financing, offering a comparable balance-sheet-driven solar lending model and serving as a potential institutional competitor to OneEthos's FI partners.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/oneethos

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Subsidiaries2 records

Funding overview

Funding rounds

Investors

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

M&A3 records

Investments

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

Frequently asked questions about OneEthos