← Embedded Finance Index 2026

Sunlight Techcu

“Can a Silicon Valley credit union leverage fintech partnerships — particularly Sunlight Financial's solar POS platform — to scale specialty consumer lending far beyond its geographic membership base?”

Founded1960
HQSan Jose, California, USA
IndustryBank / Community
The story

Technology Credit Union (Tech CU) is a Silicon Valley-based credit union with a 63-year history, primarily serving technology sector employees and their families. Its most notable embedded-finance pivot has been into green/solar lending: since 2015, it has been the primary capital provider behind Sunlight Financial's point-of-sale residential solar loan platform, representing one of the nation's largest and longest residential solar loan partnerships. Tech CU also operates Tech Capital LLC, a wholly-owned asset-based lending subsidiary, diversifying beyond consumer credit union products into commercial ABL.

Last 12 months
—
Product timeline
2015
Tech CU began its partnership with Sunlight Financial to fund residential solar loans.· lending
2020
Tech CU expanded its Sunlight Financial partnership, committing to fund more than $2 billion in solar loans and enabling over 80,000 homeowners to go solar.· lending
2021
Tech CU extended the Sunlight Financial partnership a fourth time, committing to fund nearly $2.5 billion in additional residential solar and storage loans over three years.· lending
Regulated entities
1
regulatory licence held by Sunlight Techcu
Licence types, jurisdictions and registered entities are in the Embedded Finance Index report.
The stack
1 layer disclosed in Sunlight Techcu’s embedded-finance stack
Lending
sunlight financialResidential solar loans (5–25 year, point-of-sale via Sunlight Financial platform)Asset-based lending (Tech Capital LLC, in-house)Consumer loans
Accounting gap: none