Enerflo Announces Strategic Partnership with OneEthos, Powered by Climate First Bank

Enerflo, the premier residential solar sales and installation software platform, has announced a strategic partnership with OneEthos, powered by Climate First Bank, to transform the solar financing and installation experience. OneEthos provides solar installers and homeowners with access to the nation’s most ethical solar financing platform and is one of the only fintechs in the United States regulated by the Federal Reserve Bank. This collaboration enables residential solar installers and homeowners across the nation to benefit from a seamlessly integrated and affordable financing solution - helping accelerate the transition to a more sustainable future.

Through this partnership, Enerflo users can offer homeowners access to solar financing with no dealer fees, a 30.5-year term*, and no prepayment penalties, making it the most affordable ethical solar financing option in the nation. Loan origination and processing are provided by Climate First Bank, the world’s first FDIC-insured digital community bank founded to combat the climate crisis, and the fastest growing new bank in the United States since 2009. This integration simplifies the financing process for installers while ensuring homeowners receive affordable solar loan options. Financing is available to all Enerflo partners now - Enerflo partners can access the offering by becoming an approved installer with OneEthos.

Key Benefits for Installers and Homeowners

No Dealer Fees Means Affordable Solar Financing 
OneEthos never charges a dealer fee, saving your client up to 30% when financing solar and making the product the most affordable on the market. OneEthos also boasts no prepayment penalties and a 30.5-year term* - maximizing affordability and long-term savings.

Affordable Solar from Day One
By eliminating dealer fees from project costs which can add up to 30% to the cost of solar, the 30.5-year* loan is designed to lower monthly payments, making solar more accessible than ever before. In many cases, homeowners start saving on day one, making it one of the most cost-effective loan options available.

Faster Approvals & 100% Financing
Enerflo’s seamless integration with OneEthos eliminates friction in the loan process—installers can offer 100% financing, and most homeowners receive real-time loan decisions in as little as 30 seconds, accelerating project timelines.

Streamlined Sales & Install Experience
Installers using Enerflo benefit from an all-in-one sales and installation workflow, removing inefficiencies that typically delay solar projects. The financing process is now built directly into the Enerflo sales platform, reducing administrative work and keeping projects moving.

Nationwide Network of Vetted Installers
Homeowners can choose from a trusted network of accredited solar installers, ensuring quality installations that align with the mission of sustainable, responsible energy adoption.

Driving a More Sustainable Future, Together
"We're excited to partner with OneEthos, powered by Climate First Bank to make affordable solar financing more accessible,” said Spencer Oberan, Co-Founder of Enerflo. "This integration allows installers to focus on what they do best—delivering solar solutions and closing deals—while giving homeowners a seamless and affordable financing experience."

"This collaboration between Enerflo and OneEthos represents a major leap forward in making affordable solar financing the new standard," said Marcio deOliveira, Founder & CEO of OneEthos. "Our model provides the nation’s most competitive ethical solar financing program and together, we’re empowering installers to provide their clients with an affordable lending option, creating a more sustainable future for all."

Beyond the technology, the partnership will also include community outreach and education initiatives to drive awareness about sustainable energy solutions and their role in fighting the climate crisis.

*As an example, on a $80,000 loan a homeowner might pay $586.96 per month over 366 months at 8.00% APR. Loans are provided by Climate First Bank, Member FDIC, and are subject to credit check and approval.

Enerflo | www.enerflo.com

OneEthos | www.oneethos.com

Climate First Bank | www.climatefirstbank.com