Built to finance everything essential.
Direct credit for essential projects across real estate, utilities and mobility & fleet — originated, underwritten and funded by Eos. Apply with your SSN or ITIN.
Our track record.
We are the lender, not a marketplace.
Eos originates, approves and funds with its own capital under NMLS #2744537. One team from the application to the money — across three avenues of essential credit.
Power that stays on, financed by the month.
The residential battery leads: backup that takes the house over in under 20 milliseconds, owned outright. Solar ownership, water filtration and commercial storage complete the avenue.
Financing for vehicles and fleets.
Auto financing at the dealer, lease-to-own for trucks, and invoice trading that turns receivables into cash.
Consumer terms never exceed 72 months. Business-purpose programs are structured per operation. All financing subject to credit approval.
Embedded financing, under your brand.
Put Eos inside your product. Offer financing at your point of sale while we handle underwriting, compliance and servicing — you close more sales.
A credit button in your platform
A water-filtration company adds one button to its quote flow — the customer gets an Eos decision without leaving the page.
Financing links, zero code
An HVAC contractor sends a link with the quote — the customer finances the job, the contractor gets paid in full.
One dashboard for every application
Track each customer's application in real time — and when someone stops halfway, reissue a link that resumes exactly where they left off.
Financing at your point of sale.
Offer Eos financing where the decision happens — in your store, your quote or your checkout. The customer pays over time; you receive the full amount upfront.
Close more sales
An approval at the moment of decision turns quotes into signed contracts.
You get paid upfront
Eos funds the full amount to you. Your customer pays over time.
Your brand in front
We underwrite, service and stay compliant behind the scenes.
Live in days
Send a financing link or add a button. API optional, no code required.
What our originators say.
We put an Eos financing button in our sales flow. Approvals happen at the kitchen table, and our close rate jumped.
Battery projects are big tickets. Offering Eos financing turned quotes into signed contracts.
Eos Cash: payment by QR code, with rewards.
The customer scans a QR code and pays from the Eos app, at the counter or at the table.
A fintech for residential and commercial essential projects.
Fast and digital-first
No paper forms, no faxes. A fully digital application with decisions in minutes.
Funding in 48 hours
Average funding turnaround of 48 hours after approval.
SSN or ITIN
Built for everyone building in the US — apply with either.
Dedicated support
A real team available on every application, every step of the way.
Credit for the projects a household depends on.
Backup power when the grid fails. A roof replaced in the week it leaks. The vehicle a family or a business depends on. Eos finances essential projects — with clear terms, a fast decision and a single team from application to funding.
Soft credit pull — no score impact
Home backup, financed by the month.
A battery system that takes over automatically — no fuel, no noise, no subscription. You own it.
Offer Eos financing to your customers.
Installers, contractors and resellers send their customers to Eos at the point of sale. We are the lender — we underwrite, fund and service the loan, and the originator takes no credit risk.
No credit risk to you
Your customer is the borrower. Eos carries the loan, not your business.
Full margin, no dealer fee
We never deduct a fee from what we pass through to you.
A decision in minutes
The customer applies from a digital form at the moment of sale, subject to approval.
A dashboard for every application
Track every application and reissue a link so the customer resumes where they stopped.
Onboarding is an application, an approval and one training session.
Join the channel
Tell us what you sell and we will come back within one business day.
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Talk to our team.
Send us the project — our team replies within one business day.
What does Eos finance? +
Three avenues of essential credit: real estate (investment strategies plus roofing, HVAC, outdoor and interior programs), utilities (residential battery, solar, water filtration and commercial storage) and mobility & fleet (auto, trucks and invoice trading).
What secures the loan? +
It depends on the program. Real estate strategies are secured by the property in the project, and solar is secured by the panels and the system — a real asset, not a lien on your whole life. Home programs like roofing, HVAC and water filtration are consumer credit that does not touch the equity in your house.
Who can apply? +
US businesses and individuals. You can apply with a Social Security Number or an ITIN — we built our underwriting for both.
Does checking my rate affect my credit score? +
No. Checking your rate uses a soft credit inquiry, which does not affect your score. A hard inquiry only happens if you proceed with a loan.
How fast is funding? +
Decisions typically take minutes. After approval, average funding turnaround is 48 hours.
Is there a penalty for paying early? +
None. There is no prepayment penalty, no dealer fee and no hidden fees on the loan.
Can my company offer Eos financing to its customers? +
Yes. Installers, contractors and resellers send their customers to Eos at the point of sale. You take no credit risk and keep the full margin — there is no dealer fee. See the channel program →
The programs that accelerated Eos.
UC Berkeley