EFS
Also a provider — view EFS’s profile →“Can a solar installer become the vertically-integrated energy + financing OS for European households?”
Founded2017
HQBerlin, Germany
IndustryEnergy / Residential Solar (with embedded financing)
The story
Enpal started in 2017 as a solar-leasing pioneer in Germany, removing upfront cost as the barrier to residential PV. Since then it has expanded from leasing into a full embedded-energy stack — hardware sale + financing (EasyFlex), a dynamic electricity tariff via its own licensed supplier (Enpal Energy GmbH), a smart-meter operator (metrify), and a commercial arm (Enpal Business Solutions). Embedded finance at Enpal is primarily consumer instalment lending for solar/heat-pump systems rather than banking or card-issuing.
Last 12 months
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Product timeline
2017
Enpal founded in Berlin as a residential solar-as-a-service provider (leasing model, 0€ upfront).· pivot
2022
Awarded KfW Award Gründen; rapid scaling as Germany's largest residential rooftop PV provider.· banking
2023
Enpal Business Solutions launched as a dedicated commercial/industrial PV unit.· pivot
2024
Launched Enpal.One+ energy manager and dynamic electricity tariff via Enpal Energy GmbH.· pivot
2025
EasyFlex financing product formalized — 0€ deposit, up to 25-year flexible loans, used by ~80% of Enpal customers.· lending
Regulated entities
1
regulatory licence held by EFS
Licence types, jurisdictions and registered entities are in the Embedded Finance Index report.
The stack
1 layer disclosed in EFS’s embedded-finance stack
Lending
Enpal EasyFlex (in-house)EasyFlex Finanzierung (0€ Anzahlung, up to 25-year term, free special repayments)Solar/PV system financing from €98/monthHeat pump financing from €67/month
Accounting gap: none