Sunstone Credit
“Can a technology-first commercial solar loan platform become the dominant embedded financing infrastructure for SMB solar installers in the U.S.?”
HQUnited States
IndustryFintech / Lending
The story
Sunstone Credit was built as a technology-enabled commercial solar loan platform targeting small and medium-sized businesses (SMBs), a segment historically underserved by traditional solar finance. The company differentiates through a fully digital, embedded loan origination workflow integrated directly into solar installer/contractor sales processes. Its embedded finance strategy relies on bank partnerships — notably Cross River Bank as a funding and origination partner — and asset finance partnerships like DLL, rather than building a bank charter or balance sheet directly.
Product timeline
2021
Sunstone Credit Terms of Use published, establishing ACH and debit card payment services via online portal for commercial solar loans.· lending
2023
Partnership with Cross River Bank announced, with Cross River Digital Ventures making a strategic investment in Sunstone Credit to fund commercial solar loans.· lending
2024
Partnership with DLL (global asset finance company) announced to provide solar financing solutions for energy producing and infrastructure assets including solar and battery storage.· lending
The stack
4 layers disclosed in Sunstone Credit’s embedded-finance stack
Money movement
Banking / BaaS
in the full report
Lending
in the full report
Sponsor bank
in the full report
Accounting gap: none
3 more providers across 3 layers, with confidence-scored evidence and source URLs, are in the Embedded Finance Index report.