Mosaic is a U.S.-based solar financing platform that connects homeowners with flexible loan options for solar panels, battery storage, roofs, and more. Their streamlined process offers near-instant pre-qualification using soft credit checks, with loan amounts up to about $135,000. Product offerings include:
- PowerSwitch ZERO – Deferred payments for 12 months, followed by 10‑, 15‑, 20‑ or 25‑year repayment term
- PowerSwitch CHOICE – Low initial payments with federal solar tax-credit optimization; adjust payments after 18–26% prepayment
- PowerSwitch PLUS – Covers solar plus home upgrades (HVAC, roofing); fixed payments with re-amortization after 18 months
Mosaic works through contractor networks, offering a tech platform that supports quick approvals, application integration, and loan servicing. They also support bundled loans for solar+storage and home improvements.
Products
- Financing up to $135,000 including solar, battery, roof, HVAC
- PowerSwitch ZERO solar loan
- PowerSwitch CHOICE solar loan
- PowerSwitch PLUS solar + home improvements loan
- Soft credit pre-qualification through SolarAPP+