Atmos
“Can a purpose-built clean energy lending marketplace give credit unions and lenders a turnkey way to originate and service solar and electrification loans while connecting homeowners and SMBs with the best financing terms?”
Atmos was founded in 2018 as a YC-backed custom home design marketplace, enabling homebuyers to select land, design homes in 3D, and connect with vetted builders — raising $20M from Khosla Ventures and Sam Altman. After the custom home platform did not reach escape velocity, the company pivoted to clean energy lending, repositioning as 'Atmos Financial' — a purpose-built marketplace connecting credit unions and lenders with homeowners and small businesses seeking solar and electrification financing. The embedded finance angle is now central: Atmos provides turnkey loan origination and servicing infrastructure for lenders while serving as a borrower marketplace for clean energy financing.