← State of Embedded Finance 2026

Sunstone

Can a purpose-built commercial solar lending platform become the default financing layer for solar developers serving SMB customers?

IndustryFintech / Lending
The story

Sunstone Credit operates as a specialty commercial solar lender, providing financing to businesses seeking to install solar energy systems. The platform is partner-facing, enabling solar installation contractors and developers to offer financing to their SMB customers. The company leverages Cross River as a bank partner to underwrite and fund commercial solar loans, positioning itself as an embedded lending platform for the clean energy sector.

Last 12 months
The stack
Banking / BaaS
Cross River
Lending
Commercial solar loans ($50K–$6M)5–20 year term solar financing100% project financingPPA debt financingEnergy storage financingEV charging financingNew roof financing
Sponsor bank
Cross River Bank, N.A.
Accounting gap: none