EnFin
🖥 Your quick reference guide to all EnFin financing options. Perfect for fast and accurate proposals.
💻 Log in Link: Login | EnFin
Application Platform: Aurora (non integrated) / Enerflo (EnFin Finance TPO)
Additional information can be found in: EnFin Resources
Design Platform: Aurora
Property Types 🏘️🌞
Type | Finance | EQ-Op |
Duplexes | ✔️ | ✔️ |
Triplexes | ✔️ | ✔️ |
1-4 Unit Multifamily Homes | ❌ | ❌ |
Condos | ✔️ | ✔️ |
Townhomes | ✔️ | ✔️ |
Vacation Homes | ✔️ | ✔️ |
Secondary Homes | ✔️ | ✔️ |
Mobile Homes | ❌ | ❌ |
In a mobile home park | ❌ | ❌ |
Manufactured Homes | ❌ | ❌ |
Modular Homes | ❌ | ❌ |
Farms/Agricultural Land | ✔️ | ✔️ |
Investment Properties | ✔️ | ✔️ |
Commercial Properties | ✔️ | ✔️ |
5+ Unit Multifamily Homes | ✔️ | ✔️ |
Roof must be owned, not shared | ✔️ | ✔️ |
Mulitiple System Financing | ✔️ | ✔️ |
Ground Mount | ❌ | ❌ |
Residential, Single Family Homes | ❌ | ❌ |
Detached Garage / Guest Suite | ❌ | ❌ |
Accessory Dwelling Unit (ADU) | ❌ | ❌ |
Carports / Pergolas | ❌ | ❌ |
Overhang Porches | ❌ | ❌ |
Add on Systems 🏠⚡➕
Are add-on systems allowed? (Additional panels tied into the same inverter & meter) | ❌ Not acceptable |
Are second (2nd) systems allowed? (New system containing new inverter(s), tied to the same meter. A 2nd system, physically separate from any pre-existing solar on site, but tied to the same meter/account) | ❌ Not acceptable |
Are separate systems allowed? (A separate/new system connected to a different electric meter, on a different utility account, unrelated to any existing solar systems) | ✔️ Acceptable |
Special Requirements: 1. Existing System Size (kW DC) / 2. Interconnection Method
(including breaker size if applicable) / 3. Existing System is
isolated from all EnFin equipment / 4. Systems are monitored
separately / 5. When installing 2 Enphase systems line filters must be used |
Notes:
*Second systems must include a Tesla inverter if you add any Enphase inverter an adder of $650 will apply.
⚠️ As the installer, we reserve the right to accept or decline any project described in this section that may involve the modification or intervention of a previously installed system, or that may result in non-compliance with any of the standards established by the financing company.
Pricing Details 💰
Minimum amount | $10.000 |
Maximum amount (total) | $125.000 |
Price Per Watt (PPW) Cap | PV Only: $0.07–$0.22 per kWh PV + ESS: $0.10–$0.31 per kWh
Max Escalator: 3.5% |
Customer Requirements 👤
Borrower must be a resident | ✔️ |
Minimum FICO requirement | 620 |
Reporting bureau | Transunion |
Initial credit verification | Soft |
Income Verification | Depends on Credit Report |
Co-signer allowed? | Yes, Both applicants must meet the minimum credit requirements |
Credit Freeze | Unfreeze Transunion |
Reverse Mortgage | ❌ |
DTI | Yes |
ITIN (Individual Taxpayer Identification Number) | ✔️ |
System Requirements ⚡
Maximum System Size | 45 kW |
% Offset | Up to Utility Discretion |
Roofing Information 🏠
❌ Excluded Roofs | Excluded roof type. – Wood Shake – Cal Shake – Slate Tile – Metal Shingle – Copper - Copper - Exotic Metals |
❌ Disqualified / Excluded / Restricted Roofs | – Wood Shake – Cal Shake – Slate Tile – Metal Shingle – Copper |
The only requirement is that you would need to use a racking system from our AVL that is compatible with this roof type & install it to manufacturer specifications. | |
✔Clay |
Credit Extension 📊
Credit Expires | Before Contract is Signed: Credit expires 30 days from the application submission date.
After Contract is Signed: Credit expires 180 days from the application submission date. |
Allows Extension | Extensions for this 180-day expiration are assessed on a case-by-case basis, and it is expected that any potential delays are communicated in advance |
Extension Expires | Yes. Must contact EnFin at minimum 2 weeks before credit expiration. Case by Case and can only request 30 day extensions at a time. ys. extra 30 days. Must be requested within 10 days of original expiration |
Max Number of Extensions | 1 |
Debt Requirments 📋
Bankruptcies | ❌ Not disclosed |
Foreclosure | ❌ Not disclosed |
Funding Details 💸
First Payment Date | After the project reaches PTO, H/O can expect payment roughly 2 months of PTO completion. |
NTP (Notice to Proceed) Timeline | 3-5 Days |
Funding Timeline | 1-3 business days |
M1 Commission By Equity Solar | ✔️ |
Loan Transferability | ✔️ |
Contract & Verification Process ✍️
Spanish Agreement? | ❌ |
Welcome Call | ✔️ |
Cancellation Policy Timeline | ❌ |
Utility Companies 🔌
FPL | ✔️ |
Duke | ✔️ |
City of Bartow Electric | ❌ |
City of Mount Dora | ✔️ |
City of Vero Beach | ✔️ |
Clay Electric Cooperative Inc | ✔️ |
JEA | ✔️ |
Kissimmee Utility Authority | ✔️ |
Lakeland Electric | ✔️ |
Lee County Electric Coop Inc | ✔️ |
SECO | ✔️ |
TECO | ✔️ |
Glades | ❌ |
Withlacoochee | ✔️ |
City Of Winter Park | ❌ |
FPUA | ❌ |
Orlando Utilities Commission | ✔️ |
Peace River Electric Coop (PREC) | ❌ |
City of Tallahassee (Your Own Utilities) | ❌ |
Gainesville Regional Utility (GRU) | ✔️ |
📞 Financial institution contact information:
- Welcome Call: (833) 586-3677 – Select Option 1
- Contractor Support: (833) 586-3675
- Customer Service: 717-853-1183
- Chat & Phone Support Hours: Monday - Friday: 5:00 A.M. to 9:00 P.M. (PT.) / Saturday - Sunday: 7:00 A.M. - 4:00 P.M. (PT.)
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