What Tribeam Financial does

TriBeam Financial is a privately held B2B fintech that operates a cloud-based point-of-sale (POS) lending technology platform connecting sales channels — distributors, OEMs, and dealers with installer networks — to low-cost capital providers for residential solar and home improvement loan originations. The company traces its origins to 2010, operated as BlueWave Finance Group after acquiring the platform from Spruce Finance in 2018, and negotiated a supported spin-off from BlueWave in 2020 to become independent TriBeam Financial, Inc. It is headquartered in Salt Lake City with additional offices in Boston, San Francisco, and Rochester, and employs 11-50 people.

The platform is built on Java microservices with a React front-end and consists of modular components: customer pre-qualification tools, POS selling and value-proposition tools, an application framework with automated loan underwriting, a real-time decisioning engine integrated with leading credit and property data providers, electronic closing and e-signature, loan disbursement and servicing integration, and a modern API suite that plugs into partner sales systems. Nearly two dozen unique financing products have been deployed through the platform, and cumulative originations exceeded $4 billion by 2022. The company is fully FCRA- and TILA-compliant, with KYC, OFAC, and state-specific disclosures embedded in the stack.

TriBeam earns revenue primarily through transaction fees on loan originations facilitated between sales partners and capital partners, with a partner-centric, white-label go-to-market model that promotes partners' brands rather than its own. Distribution is indirect via two channels: a sales partner network (distributors, OEMs, dealers) and a capital partner network (lenders, financial institutions). Its flagship product, Propel, is a prepaid power purchase agreement / lease financing product for residential solar and battery storage launched in February 2026 with SolSource Solutions and backed by Hudson Sustainable Group, distributed through 180+ independent installers across Arizona, Texas, Maine, California, Pennsylvania, and Colorado, with additional state rollouts planned through 2026.

Name

Tribeam Financial

Legal name

TriBeam Financial, Inc.

Website

https://tribeamfinancial.com

Company type

Private

Founded year

2010

Operating status

Operating

Headcount range

11–50 employees

Short description

TriBeam Financial is a B2B point-of-sale lending platform connecting solar and home improvement installers, distributors, and OEMs to capital partners for consumer loan originations. Since 2010 it has facilitated over $4 billion in platform originations and offers modular POS technology and the Propel prepaid financing product across six U.S. states.

Ownership category

akta.pro rank

Product category

Point-of-Sale Lending Technology

NAICS

Mortgage and Nonmortgage Loan Brokers (52231), Sales Financing (52222)

SIC

Loan Brokers (6163)

akta.pro primary industry

BNPL Platform Infrastructure (APIs, Orchestration, Merchant Tools) (FSAKACAE)

akta.pro secondary industry

BNPL Underwriting & Credit Decisioning Platforms (FSAGAIAD)

Keywords

• Point-of-sale lending
• Consumer solar financing
• Home improvement loans
• Lending technology platform
• Indirect loan origination

Headquarters

HQ city

Boston

HQ country

United States

HQ region

North America

Offices4 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Point-of-Sale Lending Platform Fees: TriBeam earns revenue by facilitating consumer solar and home improvement loans through their POS technology platform. The company connects sales partners (distributors, OEMs, dealers) with capital partners (lenders), earning fees for loan origination, processing, and servicing integration. Greater efficiency in the lending technology service model drives financing costs for consumers down while providing attractive assets for capital partners.

Pricing tiers

Go-to-market motion3 records

Distribution channels3 records

Marketing channels2 records

Core offering

TriBeam Financial operates a cloud-based point-of-sale lending technology platform that streamlines consumer solar and home improvement loan originations. The platform connects mid-market sales partners (distributors, OEMs, and dealers with large installer networks) to enterprise capital partners (lenders), enabling pre-qualification, application, automated underwriting, electronic closing, and loan disbursement with servicing integration.

Product overview

TriBeam Financial operates a point-of-sale (POS) lending technology platform that streamlines consumer solar and home improvement loan originations. The core platform is supported by modular components including Customer Pre-Qualification Tools, POS Selling & Value Proposition Tools, a Modern API Suite for system integration, an Application Framework with Automated Loan Underwriting, Electronic Closing & Signatures capabilities, and Loan Disbursement & Servicing Integration. These modules work together to connect vetted installers with capital partners through a digital application and approval process.

Differentiator

Problem solved

Functional benefit

Brands

• Propel: A residential solar and storage financing product using a prepaid power purchase agreement or lease model that allows homeowners to pay the total contract value upfront via a loan to eliminate annual price escalators common in traditional solar leases.

Products and services

• Point-of-Sale Lending Platform Cloud-based POS lending platform that streamlines consumer solar and home improvement loan originations by connecting large sales channels to low-cost capital providers; supports pre-qualification, automated underwriting, electronic closing, and loan disbursement with servicing integration.
• Propel Prepaid TPO Financing Product Residential solar and storage financing product under a prepaid power purchase agreement or lease model, distributed through TriBeam's lending platform in partnership with SolSource Solutions. Available to homeowners through over 180 independent installers across Arizona, Texas, Maine, California, Pennsylvania, and Colorado.

Quantifiable outcome

• Platform originations exceeded $4 billion by 2022
• +3 more outcomes

Named customers2 records

Segments4 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Feature8 records

Partnerships

Three partnerships are on record, tiered core.

• SolSource SolutionscoreStrategic or Co-development Partner · 4 March 2026TriBeam Financial partnered with SolSource Solutions to launch Propel, a residential solar and storage financing product using a prepaid power purchase agreement or lease model. This is a flagship partnership for TriBeam, enabling them to offer innovative TPO financing products to homeowners through SolSource's network.
• Enphase EnergycoreStrategic or Co-development PartnerEnphase Energy is a strategic hardware partner for the Propel product. Their equipment qualifies projects for domestic content requirements under the Inflation Reduction Act, potentially increasing the Investment Tax Credit by 10%. This partnership enables homeowners to access federal tax credit value through the TriBeam financing platform.
• CED GreentechcoreChannel Partner/ Reseller/ DistributorCED Greentech is a key channel partner in the Propel prepaid TPO program. They partner with TriBeam Financial and SolSource Solutions to offer the Propel program through their distribution network.

Scale indicators5 records

Recent moves3 records

Expansion highlights5 records

Broad incumbents

• Affirm: Affirm is a major BNPL platform offering point-of-sale installment lending for consumer purchases. While not solar-focused, its BNPL infrastructure, partner APIs, and configurable loan products compete for mindshare and partner integrations in adjacent POS lending categories.
• Synchrony Financial: Synchrony is a major consumer-finance company that funds large private-label and co-branded credit programs, including home improvement. While broader and not solar-specific, it competes for installer and contractor financing relationships and capital allocation in the same end markets.

Direct peers

• Loanpal: Loanpal is a leading point-of-sale financing platform for residential solar and home improvement, connecting installers and homeowners with capital providers. It is the closest direct competitor to TriBeam in terms of indirect-consumer solar lending, POS technology, and capital-partner intermediation.
• Sunlight Financial: Sunlight Financial operates a tech-enabled solar loan platform that partners with installers and dealers to originate residential solar financing. It competes with TriBeam for installer relationships and capital-partner allocations in the residential solar lending market.
• Dividend Finance: Dividend Finance offers financing solutions for residential solar and energy-efficiency projects through an installer and dealer channel. Its POS loan origination platform and solar focus closely align with TriBeam's core business.
• GoodLeap: GoodLeap is a large point-of-sale financing platform focused on home improvement, solar, and energy-efficiency upgrades. It competes directly with TriBeam in POS lending, installer partnerships, and capital deployment for sustainable home upgrades.
• EnerBank: EnerBank provides home-improvement financing through a contractor channel, originating unsecured consumer loans at the point of sale. Its contractor-driven POS lending model and configurable loan products overlap with TriBeam's home-improvement offering.
• GreenSky: GreenSky (a Goldman Sachs-backed fintech) originates home-improvement loans through a contractor network at the point of sale. Its technology platform, dealer relationships, and consumer loan products make it a directly comparable POS lending competitor.
• Mosaic: Mosaic provides solar loans and home-improvement financing through a network of installers and dealers via a technology platform. Its POS lending model and installer-channel distribution closely mirror TriBeam's approach.

Emerging players

• LightReach (formerly EnergySage Financing): LightReach / EnergySage operates a solar-prosumer marketplace that includes financing products for rooftop solar. It is an emerging channel for connecting homeowners with solar loans, partially overlapping TriBeam's installer-driven solar lending flow.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/tribeam-financial-inc

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds

Investors

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 Tribeam Financial