“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.
Atmos discloses Five Star Bank as its banking provider, according to the Embedded Finance Index 2026.
Atmos does not disclose a bank charter of its own; its banking services are provided through Five Star Bank.
Atmos processes payments through Stripe.
Atmos connects to bank accounts through Plaid.
The Embedded Finance Index 2026 maps 5 layers in Atmos's stack: Payments / PSP (Stripe); Banking / BaaS (Five Star Bank); Lending (Clean energy home improvement loans, Solar financing, Electrification loans and Small business energy loans); Open banking (Plaid); Sponsor bank (Five Star Bank).
Atmos was founded by Nick Donahue and is founded in 2018, headquartered in San Francisco, CA, USA.
Atmos has raised $20M in total (latest round: Series A, 2022).
Get a read on where your own stack stands against Atmos and the rest of its category — what they built versus bought, which providers they use, and where the gaps in your own strategy and competitive set actually are.