“Can an AI-driven lending OS turn residential solar, battery, and heat-pump adoption into a frictionless zero-upfront purchase across European households?”
Cloover is a Berlin-based climate fintech founded in 2022 that operates an AI-based integrated energy management platform for residential solar, battery storage, and heat pumps. Its embedded-finance angle is credit underwriting that monetizes future energy savings, enabling homeowners to adopt clean power with zero upfront capital while giving installers automated procurement and workflow management. The 2024 seed round combined debt and equity, consistent with a lending-origination model that needs balance-sheet capital alongside operating capital.
Cloover's lending and capital products are provided by Cloover (in-house).
Cloover was founded by Valentin Gönczy, Jodok Betschart and Peder Broms and is founded in 2022, headquartered in Berlin, Germany.
Cloover has raised $114M+ (seed) in total (latest round: Series A).
Get a read on where your own stack stands against Cloover 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.