“Can a purpose-built commercial solar lending platform become the default financing layer for solar developers serving SMB customers?”
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.
Sunstone discloses Cross River as its banking provider, with Cross River Bank, N.A. as its sponsor bank, according to the Embedded Finance Index 2026.
Sunstone does not disclose a bank charter of its own; its banking services are provided through Cross River Bank, N.A..
The Embedded Finance Index 2026 maps 3 layers in Sunstone's stack: Banking / BaaS (Cross River); Lending (Commercial solar loans ($50K–$6M), 5–20 year term solar financing, 100% project financing, PPA debt financing and 3 others); Sponsor bank (Cross River Bank, N.A.).
Get a read on where your own stack stands against Sunstone 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.