Bringing affordability and sustainability to every home.™
Why Arcasa Was Built Differently (and Why That Matters Now More Than Ever)
A Shifting Solar Finance Landscape
In the past week, two of the biggest names in solar finance—Sunnova and Mosaic—filed for Chapter 11 bankruptcy. Their recent filings are part of a broader shakeup across the entire solar industry, as companies struggle to adapt to higher interest rates, tighter margins, and evolving homeowner expectations.
What went wrong? Is solar finance broken? And what makes Arcasa uniquely positioned to thrive in this changing landscape?
The Problem Was Never Solar. It Was Structure.
Let’s be clear. The recent slowdown of several major players in solar financing is not proof that solar or any clean energy is flawed. It’s proof that some financial structures simply were not built to last.
For years, third-party solar financiers relied on risky elements:
Subprime consumer loans
Inflated dealer commissions
Unsustainable growth targets
Minimal coordination with the mortgage process
When interest rates increased and subsidies declined, many of these companies were exposed. Their approach added risk to homeowners, not stability.
This is a cautionary tale. But it is not a verdict on solar.
The Arcasa Approach—Built from the Mortgage Out
Arcasa is not a solar loan company. We are a mortgage fintech platform that uses solar strategically, as a tool for affordability and long-term value.
Here’s how we do it:
✔ Dealer commissions? Gone.
We eliminate inflated solar markups and reinvest the savings into the mortgage.
✔ No second loans. No liens.
Solar is integrated directly into your home loan through trusted underwriting.
✔ Built for lenders.
Every Arcasa project aligns with the mortgage process—not against it.
This structure leads to smarter, simpler transactions that benefit both the buyer and the lender.
We Do Not Depend on Federal Subsidies
Many solar finance companies built models that were tied too closely to the availability of the Investment Tax Credit (ITC). Arcasa does not operate that way.
Our model delivers borrower value through structural efficiency. By removing unnecessary costs and redirecting that margin into the mortgage, we can offer:
Zero cash to close pathways
Competitive interest rates
Better monthly savings for homeowners
Even in a post-subsidy world, our numbers hold up.
Aligned with the Mortgage Industry From Day One
Arcasa was built to support—not disrupt—the way homes are financed.
Our EPC partners (Engineering, Procurement, and Construction) are vetted for quality and consistency
Our solar integration is tied directly to the loan transaction
Our warranty coverage includes both third-party-backed policies and protection through our trusted build partner network—ensuring aligned accountability at every level
That means better borrower experiences, more efficient closings, and real savings that lenders can count on.
Made for This Market
In today’s 7 percent interest rate environment, homebuyers are focused on one thing: monthly affordability.
Arcasa helps reduce total monthly expenses by lowering both mortgage costs and utility bills. For many borrowers, that can make the difference between qualifying or not.
While others are pulling back, Arcasa gives lenders a competitive edge in a high-rate world.
Why This Moment Matters
The bankruptcy of traditional solar financing firms is not the end of residential solar. It’s the beginning of a better approach.
One that puts borrowers first.
One that puts structure before scale.
One that was built for long-term stability.
Arcasa was built for this moment.
If you're a lender, builder, or homebuyer looking for a more sustainable way to structure home financing, we’re here to help.