Atmos Financial
Atmos Financial is a US fintech marketplace founded in 2020 that connects homeowners, small businesses, solar installers, and community lenders to originate and manage clean energy loans — including residential and commercial solar, home electrification, and 100%-clean-energy deposit accounts — across all 50 states.
- Company typePrivate
- Founded2020
- HeadquartersEmeryville, United States
- Headcount1–10
- GTM typeB2B and B2C
- OfferingSoftware
What Atmos Financial does
Atmos Financial is a US-based financial technology marketplace founded in 2020 and headquartered in Emeryville, California, purpose-built to channel capital into the clean energy transition. The company operates a multi-sided platform that connects homeowners and small businesses seeking financing for solar panels, heat pumps, and home battery systems with a network of regulated lenders — community banks, credit unions, and green banks — that compete to fund those loans. Atmos also serves solar installers and contractors by embedding financing into their project workflows, and serves lenders by providing fully integrated loan origination, servicing, and portfolio management tools.
The platform's product surface comprises three consumer/SMB loan products (Personal Solar Loans, Commercial Solar Loans up to $500,000, and Home Electrification financing), a deposit product (checking and savings accounts that direct 100% of deposits to clean energy projects), and two B2B platforms — the Atmos Lender Network and the Installer Financing Partner Program. Technology differentiators cited by the company include a purpose-built lending marketplace with pre-qualification via soft credit inquiry, an installer-facing loan management tool with milestone-based payments, and SOC 2-compliant infrastructure. In October 2025 the company extended its infrastructure reach via the Atmos Clean Energy Solutions CUSO, a Credit Union Service Organization co-developed with Clean Energy Credit Union.
Atmos's business model is marketplace-based: as a financial technology company (not a lender itself), it facilitates loans between borrowers and regulated financial institutions and earns revenue through transaction-based commissions or take rates on originated loans. Its go-to-market is a digital self-serve channel at my.joinatmos.com, supplemented by installer-driven and lender-driven distribution, and supported by content marketing, earned media (Business Insider, Forbes, Fortune, Climate Town, The Cooldown), and nonprofit partnerships. The company is privately held, employs 1-10 people, has served 10,000+ customers across 50 states plus Puerto Rico and DC, and claims 12,300+ kW of solar energy funded, 900+ installations enabled, and 153M+ pounds of CO2e prevented via its deposit channel.
Atmos Financial firmographics
Firmographics- Name
- Atmos Financial
- Legal name
- Atmos Financial
- Website
- https://joinatmos.com
- Company type
- Private
- Founded year
- 2020
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- Atmos Financial is a US fintech marketplace founded in 2020 that connects homeowners, small businesses, solar installers, and community lenders to originate and manage clean energy loans — including residential and commercial solar, home electrification, and 100%-clean-energy deposit accounts — across all 50 states.
- Ownership category
- akta.pro rank
Atmos Financial industry classification
Industry- Product category
- Climate Fintech / Clean Energy Lending Marketplace
- NAICS
- Activities Related to Credit Intermediation (5223), Credit Intermediation and Related Activities (522)
- SIC
- Personal Credit Institutions (6141)
- akta.pro primary industry
- Embedded Deposit Accounts & Digital Wallet Infrastructure (FSAGALAE)
Keywords
Where Atmos Financial is headquartered
LocationHeadquarters
- HQ city
- Emeryville
- HQ country
- United States
- HQ region
- North America
Markets served
Atmos Financial business model
Business model- GTM type
- B2B and B2C
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Operations, Marketing or Sales, Infrastructure
Revenue model
- Loan Facilitation / Marketplace Commission: Atmos generates revenue by facilitating loans between borrowers and lenders on its marketplace. The company is a financial technology platform, not a lender itself; loans are made by regulated financial institutions. Revenue likely accrues from fees charged to lenders or a take rate on originated loans.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Monthly | Residential Solar Loans — personal solar loans with lowest total cost for most buyers |
| Transaction based/ take rate | Monthly | Commercial Solar Loans — up to $500,000 for small businesses |
| Transaction based/ take rate | Monthly | Home Electrification — heat pump and home battery systems |
Go-to-market motion1 record
Distribution channels4 records
Marketing channels6 records
Atmos Financial product offering
Product offeringCore offering
Atmos Financial operates a digital marketplace platform that connects clean energy borrowers with banks, credit unions, and clean energy lenders. The company provides personal solar loans, commercial solar and home electrification loans, an institutional lender network, and an installer financing partner program. Atmos explicitly identifies itself as a financial technology company rather than a lender, earning revenue through marketplace commissions on facilitated loans.
Product overview
Atmos Financial is a purpose-built fintech marketplace connecting the clean economy through a multi-sided platform. The core offering consists of Personal Solar Loans (residential solar financing), Commercial Solar Loans (up to $500,000 for small businesses), and Home Electrification financing (heat pumps and batteries). The platform serves three primary audiences: (1) Homeowners and small businesses seeking competitive clean energy loans, (2) Lenders (credit unions, community banks, green banks) who want to launch and scale clean energy lending programs with integrated origination and servicing tools, and (3) Solar installers who need financing solutions for their customers. The company also offers checking and savings accounts that direct 100% of deposits exclusively toward clean energy projects.
Differentiator
Problem solved
Functional benefit
Brands
- Atmos Clean Energy Solutions: A Credit Union Service Organization (CUSO) launched in partnership with Clean Energy Credit Union, designed to empower credit unions to lead in the clean energy transition.
Products and services
- Personal Solar Loan
Quantifiable outcome
- 12,300+ kW of solar energy funded through Atmos deposits
- +4 more outcomes
Companies that use Atmos Financial
Customer profileNamed customers3 records
Segments4 records
Ideal customer profiles4 records
Atmos Financial technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature5 records
Atmos Financial partnerships and signals
Strategic signalPartnerships
Six partnerships are on record, tiered core and minor.
- Clean Energy Credit UnioncoreAtmos Financial and Clean Energy Credit Union launched Atmos Clean Energy Solutions, a new Credit Union Service Organization (CUSO) empowering credit unions to lead in the clean energy transition. This CUSO enables credit unions to offer clean energy lending programs to their members.
- Clean Energy Fund of TexascoreAtmos Financial partnered with the Clean Energy Fund of Texas to help communities and businesses drive capital into the green economy. The partnership channels financing toward clean energy projects in Texas.
- New Energy NexuscoreNew Energy Nexus is a non-profit organization supporting diverse entrepreneurs to drive innovation and build equity into the global clean energy economy. Atmos partners with New Energy Nexus on their shared journey to accelerate the transition to the clean economy. Atmos customers can support New Energy Nexus through donations, and Atmos doubles the interest rate on savings accounts for monthly donors.
- CartelligentminorAtmos offers its customers 20% off Cartelligent services when buying or leasing an electric vehicle (EV) or plug-in hybrid electric vehicle (PHEV). Cartelligent helps buyers find and negotiate the best deals on new vehicles.
- Community Banks, Credit Unions, and Green Banks (Lending Network)coreAtmos partners with community banks, credit unions, and green banks across the country to build clean energy infrastructure. These lenders join the Atmos lending network to launch and scale their own clean energy lending programs, gaining access to loan origination, servicing, and portfolio management tools.
- Solar Installers and DeveloperscoreSolar installers and developers get access to embedded financing tools that offer best-in-class loans to customers and help manage funding timelines. The partnership enables installers to offer competitive financing to homeowners and businesses seeking solar installations.
Scale indicators6 records
Recent moves7 records
Expansion highlights5 records
Atmos Financial competitors and assessment
Company assessmentBroad incumbents
- GoodLeap: GoodLeap is a large point-of-sale financing platform for home improvement, solar, and energy efficiency with a broad lender network. It is a broader incumbent with overlapping capabilities to Atmos but at much greater scale and category breadth.
- EnerBank USA: EnerBank is a Utah-chartered industrial bank specializing in home improvement and solar contractor point-of-sale financing. It competes for installer financing volume that Atmos targets but as a balance-sheet lender rather than a marketplace.
Direct peers
- Mosaic: Mosaic operates a solar and home improvement lending marketplace connecting borrowers with capital partners, serving homeowners and installers with point-of-sale financing - a direct functional overlap with Atmos's marketplace model.
- Sunlight Financial: Sunlight is/was a leading residential solar loan and lease originator working with installers and capital providers. It is the most direct historical peer to Atmos's borrower-installer-lender marketplace, though it filed for Chapter 11 in 2023.
- Dividend Finance: Dividend Finance provides residential and commercial solar financing through a curated lender and capital partner network. It directly mirrors Atmos's marketplace model for solar and electrification loans.
- Loanpal: Loanpal is a large residential solar loan originator working with installers and capital partners. It competes for the same installer relationships and homeowner borrower pool that Atmos serves.
Others
- Generate Capital: Generate Capital is a specialty financing company focused on distributed energy and clean infrastructure. While it operates at larger scale and project level, it is thematically adjacent to Atmos as a clean energy capital provider.
- Clean Energy Credit Union: Clean Energy Credit Union is a mission-driven credit union focused on clean energy lending and Atmos's CUSO partner. It is a direct strategic partner and a peer in clean energy loan origination rather than a direct competitor.
Emerging players
- PosiGen: PosiGen provides residential solar and energy efficiency financing, primarily to lower-income homeowners, and combines its own capital with partner capital. It overlaps with Atmos on solar financing and installer-led distribution, with a more targeted customer base.
- LightReach: LightReach offers financing for residential solar and energy storage through a digital marketplace and installer integrations. It is an emerging player with similar technology-driven borrower experience and overlapping target customers.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Atmos Financial social profiles
Digital presenceAtmos Financial compliance and trust
Trust signalCompliance2 records
Atmos Financial financial estimates
Financial estimateRevenue estimate
Valuation estimate
Atmos Financial leadership team
Management profileNumber of profiles
Profiles4 records
Atmos Financial funding detail
Funding detailFunding overview
Funding rounds2 records
Investors2 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Atmos Financial 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 Atmos Financial
What does Atmos Financial do?
Atmos Financial operates a digital marketplace platform that connects clean energy borrowers with banks, credit unions, and clean energy lenders. The company provides personal solar loans, commercial solar and home electrification loans, an institutional lender network, and an installer financing partner program. Atmos explicitly identifies itself as a financial technology company rather than a lender, earning revenue through marketplace commissions on facilitated loans.
Is Atmos Financial a public or private company?
Atmos Financial is a private company. It is classified as venture growth investor backed and is currently operating.
When was Atmos Financial founded?
Atmos Financial was founded in 2020. It employs 1 to 10 people.
Where is Atmos Financial based?
Atmos Financial is headquartered in Emeryville, United States, in the North America region.
How does Atmos Financial make money?
One revenue line is on record: loan Facilitation / Marketplace Commission.
Who are Atmos Financial's main competitors?
Broad incumbents on record are GoodLeap and EnerBank USA. Direct peers are Mosaic, Sunlight Financial, Dividend Finance and Loanpal. Others are Generate Capital and Clean Energy Credit Union. Emerging players are PosiGen and LightReach.
Does Atmos Financial have an API?
No public API is recorded for Atmos Financial.
What industry is Atmos Financial in?
Atmos Financial's product category is Climate Fintech / Clean Energy Lending Marketplace. Its primary akta.pro industry code is FSAGALAE, Embedded Deposit Accounts & Digital Wallet Infrastructure. Its NAICS code is 5223 and its SIC code is 6141.