How Contractors Can Offer Financing Across All Five Eos Loan Solutions
Three years ago, Eos Loan financed three things: battery storage, EV chargers, and water filtration. Today it finances five. Truck fleets and business-purpose real estate joined the program, and that changes the math for any contractor who sells across more than one category.
Here is the problem that growth solves. A contractor who installs battery storage and water filtration for the same customer base has historically needed two lenders, two applications, and two underwriting standards to match. Add a third or fourth category and the paperwork multiplies faster than the revenue does.
This post maps what Eos Loan finances today, why consolidating to one financing partner matters more as your product mix grows, and how each of the five categories fits inside a single relationship.
> Key Takeaways
> - Eos Loan now finances five essential-project categories: battery storage, EV chargers, water filtration, truck fleets, and business-purpose real estate, with $4B+ originated to date and 30k+ proposals processed.
> - Battery storage terms run 6 to 240 months; every other category uses flexible terms with no dealer fee, subject to approval and eligibility.
> - Truck fleets and real estate serve a different buyer than the installer-first categories, and Eos Loan frames each one accordingly.
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What Does Eos Loan Actually Finance Today?
Eos Loan finances five categories under one program: battery energy storage, EV chargers, water filtration, truck fleets, and business-purpose real estate. Each has its own solution page, its own underwriting details, and its own buyer profile, but all five run through the same direct-lending relationship.
That last point matters more than it sounds. Eos Loan is a direct lender. It originates and funds financing itself; it is never a marketplace, a broker, or a platform that connects a customer to a pool of outside lenders. When a contractor submits a deal, Eos Loan is the one underwriting it, which is why the terms, the timeline, and the standards stay consistent no matter which of the five categories the deal falls under.
In 2025, US residential battery storage installations reached 2.7 GW, up 92% year over year (Wood Mackenzie, US Energy Storage Monitor, 2025). That single vertical alone would justify a dedicated lender. Eos Loan built the other four around it rather than treating them as separate businesses.
> Our track record: Across all five categories combined, Eos Loan has originated more than $4 billion to date and processed over 30,000 financing proposals. That volume is the proprietary data point a single-vertical lender simply cannot cite; it reflects a program built to handle every essential-project category a contractor might sell, not just one.
According to Wood Mackenzie's 2025 US Energy Storage Monitor, residential battery storage set a new installation record this year, confirming demand for the category that anchors the broader program (Wood Mackenzie, 2025). That anchor position is why battery storage still gets its own dedicated terms structure inside the program, covered in detail below.
Why Are Contractors Consolidating to One Financing Partner?
Contractors consolidate because managing multiple lenders slows down every deal that crosses more than one product line. A contractor selling five categories through five single-vertical lenders is running five separate applications, five sets of paperwork, and five approval timelines for what should be one customer relationship.
Here's a question worth asking before your next multi-category proposal: how many separate lender logins does your business currently juggle? For many contractors selling across battery, EV, and water alone, the answer is already two or three. Add fleet or real estate and it climbs further.
A consolidated relationship also means a consistent underwriting standard and no dealer fee across any of the five categories, not just the one the contractor started with. For the original case built around the first three categories, see the original three-category essential project case, which this post updates and extends to the full current roster.
How Does Battery Storage Financing Work Inside the Five-Solution Program?
Battery storage is the anchor vertical, and it carries its own terms structure inside the five-solution program: 6 to 240 months, subject to approval and eligibility. No specific rate is quoted here; any rate a contractor sees during application reflects that customer's underwriting, not a published number.
In 2025, total US energy storage installations set a new record, surpassing 2024 by 52% (Wood Mackenzie, 2025). That growth is why battery storage keeps its dedicated term range even as the program has expanded around it; it remains the highest-volume category by both dollars originated and proposal count.
For a contractor already running battery deals through Eos Loan, adding a second category does not mean renegotiating the battery terms. The 6 to 240-month range stays exactly as it is; only the new category's own terms get added alongside it. For the full standalone picture on this vertical, see our commercial battery storage financing guide.
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What About EV Chargers and Water Filtration?
EV charger and water filtration financing both use flexible terms, with no stated month count, subject to approval and eligibility. EV charger financing serves property owners, retail operators, and hospitality businesses installing charging infrastructure; water filtration financing serves both homeowners working with a residential installer and commercial operators outfitting a facility.
In 2025, the US EV charging infrastructure market generated $5,920.5 million in revenue, roughly $5.92 billion (Grand View Research, U.S. Electric Vehicle Charging Infrastructure Market, 2025). That is a market still early in its build-out, and financing removes the upfront barrier for the property owners paying for it.
!An electrician mounting a Level 2 wallbox EV charger on a residential garage wall in daylight.
In its 2026 market update, Fortune Business Insights found the residential segment holds a 53.97% share of the US water purifier market (Fortune Business Insights, 2026). Residential demand carries this category, but it isn't the whole story: commercial kitchens, offices, and multi-unit properties make up a growing share of the financed volume too.
Neither category requires the contractor to change how they sell. Terms are flexible, applications run through the same Eos Loan relationship as battery storage, and there is no dealer fee on either vertical.
How Do Truck Fleets and Real Estate Fit the Same Program?
Truck fleets and business-purpose real estate are the two newest categories, and they serve a different buyer than the installer-first framing used for battery, EV, and water. For fleets, the reader is the business owner who buys the trucks, a carrier, an owner-operator, or a distributor; there is no installer in that transaction. For real estate, the reader is a business-purpose investor, never a homeowner or owner-occupant; a consumer mortgage or refinance is not what this financing does.
Why does that distinction matter for a contractor reading this post? Because the pitch that works for a battery or water filtration customer (talk to your installer, add financing at the point of sale) does not translate to a fleet or real estate deal. Those buyers come to Eos Loan directly or through a referral relationship, not through a contractor's sales floor.
On the fleet side, the American Transportation Research Institute's 2026 Analysis of the Operational Costs of Trucking found the average truck age rose to 3.6 years in 2025, up from 3.4 years in 2024, against a typical replacement cycle of 7.3 to 7.5 years (ATRI, 2026). A fleet buyer replacing equipment on that cycle is financing a purchase, not adding a feature to an existing install, and flexible terms fit that reality better than a fixed month count.
On the real estate side, Cotality (formerly CoreLogic) reported that investors made up 27% of US single-family home purchases in the second quarter of 2026, down slightly from 28% in the first quarter (Cotality, Investor Report Q2 2026, 2026). That investor share is exactly the buyer Eos Loan's real estate financing serves: a business-purpose owner running fix-and-flip, rental, or portfolio deals, never a consumer mortgage.
Both categories run on flexible terms, with no dealer fee, subject to approval and eligibility. For the deep dive on each, see fleet financing for owner-operators and carriers and explore business-purpose real estate financing directly.
What Does This Mean for a Contractor Selling Across Categories?
A contractor selling, say, battery storage and water filtration to overlapping customers can run both through the same Eos Loan relationship, with one credit history, one point of contact, and one underwriting standard covering both deal types. Adding a third category later doesn't require starting over.
> What contractors asked for: When we added truck fleet and real estate to the program, the most common question from existing partners wasn't about eligibility. It was "does this change anything about the battery or water deals I already have running?" It doesn't. Each category sits alongside the others; none of them disturb an existing relationship.
The practical differentiator here is organizational, not technical. Most competitors in this space are single-vertical: a solar-only lender, a fleet-only lender, a water-treatment-only financing program. A contractor who sells across categories and uses one of those is stuck managing multiple credit relationships and multiple paperwork sets for a customer base that, increasingly, buys more than one essential-project category over time.
For the tactical steps on adding a category to an account you already have, see add a second essential project line without new financing setup. This post stays at the program-overview level; that one walks through the operational how-to.
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Frequently Asked Questions
{ question: "Is Eos Loan a broker or a marketplace?", answer: "No. Eos Loan is a direct lender across all five solutions: battery storage, EV chargers, water filtration, truck fleets, and business-purpose real estate. It originates and funds the financing itself rather than connecting a customer to outside lenders." }, { question: "What are the financing terms for each solution?", answer: "Battery storage runs 6 to 240 months, subject to approval and eligibility. EV charger, water filtration, truck fleet, and real estate financing all use flexible terms with no stated month count. No specific rate is quoted for any category." }, { question: "Does Eos Loan charge a dealer fee?", answer: "No. Eos Loan does not charge or disclose a dealer fee on any of its five solutions, whether the deal is battery storage, an EV charger, water filtration, a truck fleet purchase, or a business-purpose real estate project." }, { question: "Can a contractor who only sells one product today add more categories later?", answer: "Yes. Adding a second or third category doesn't require restarting an existing Eos Loan relationship. See our guide on how to add a second essential project line without new financing setup for the exact steps." }, { question: "Who is Eos Loan's real estate financing for?", answer: "Business-purpose investors only, including fix-and-flip, rental portfolio, and similar use cases. It is never a consumer mortgage or an owner-occupant refinance, and a homeowner buying a primary residence is not the intended buyer." } ]} />The Bottom Line
Eos Loan finances five essential-project categories today: battery storage, EV chargers, water filtration, truck fleets, and business-purpose real estate, all under one direct-lending relationship with $4B+ originated to date and 30k+ proposals processed. There's no dealer fee on any of them.
Key points to carry forward:
- Battery storage keeps its own 6 to 240-month term range; every other category uses flexible terms, never a stated month count.
- Fleet and real estate serve a buyer, not an installer. Don't apply the installer-first sales script to either category.
- Adding a category to an existing relationship doesn't disturb the categories already running. Each sits alongside the others.
- Single-vertical competitors can't make a five-category claim. That breadth, under one underwriting standard, is the differentiator.
- Wood Mackenzie, US Energy Storage Monitor: 2025 U.S. Energy Storage Installations Set New Record, retrieved 2026-09-30, https://www.woodmac.com/press-releases/2025-u.s.-energy-storage-installations-set-new-record-surpass-2024-by-52
- Grand View Research, U.S. Electric Vehicle Charging Infrastructure Market, retrieved 2026-09-30, https://www.grandviewresearch.com/industry-analysis/us-electric-vehicle-charging-infrastructure-evci-market
- Fortune Business Insights, Water Purifier Market Size, Share & Industry Analysis, retrieved 2026-09-30, https://www.fortunebusinessinsights.com/water-purifier-market-103118
- American Transportation Research Institute (ATRI), 2026 Analysis of the Operational Costs of Trucking, retrieved 2026-09-30, https://truckingresearch.org/about-atri/atri-research/operational-costs-of-trucking/
- Cotality, Investor Report Q2 2026, retrieved 2026-09-30, https://www.cotality.com/press-releases/investor-report-q2-2026
For the latest quarterly outlook across all five categories, see our Q4 2026 essential project financing outlook.
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