Sunstone Credit Launched Financing for Energy Contractors

The new product offers equipment installers faster access to capital and flexible terms for large commercial projects.

Updated on Oct. 8, 2026 in Construction

HVAC condenser units and metallic roofing materials installed on a city building rooftop under an overcast sky. — Sunstone Credit has launched Flex, a new commercial financing platform aimed at providing HVAC and roofing contractors faster access to project capital. AI Illustration. Upload story photo >

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Do you trust private financing platforms to help commercial property owners complete necessary facility upgrades?

Sunstone Credit has debuted Flex, a commercial financing product designed to help HVAC, roofing, and EV charging contractors secure funding for projects ranging from $25,000 to $6 million. The platform aims to streamline capital access by removing traditional requirements like real estate liens.

Why it matters

Contractors have struggled to provide financing for expensive energy-related retrofits due to the slow approval cycles and collateral requirements of traditional bank loans. This shift addresses the financing gap as commercial construction input costs remain 56.4% higher than in early 2020.

Sunstone Credit has processed over $2 billion in loan applications to date. The firm currently works with more than 1,000 solar contractor partners and has seen commercial construction input costs rise 56.4% since February 2020.

The players

Sunstone Credit

A New York-based financial technology firm that specializes in providing capital solutions for energy-related commercial contractors.

The details

The Flex platform allows contractors to offer financing to customers by sharing a direct online link, with Sunstone managing the full documentation and processing burden. By eliminating the need for real estate liens and providing credit decisions in under one week, the company intends to shorten the sales cycle for installers. Contractors can begin offering these financing options to their clients within 24 hours of onboarding.

February 2020: Commercial construction input costs began their current cycle of increases.
October 07, 2026: Sunstone Credit officially launched the Flex financing product.
Within 24 hours: The time required for contractors to start offering financing after completing onboarding.
Under one week: The standard window for credit decisions to be delivered to applicants.
Up to 15 years: The maximum available loan repayment term for projects.

Market Landscape

The introduction of Flex follows a period of rising commercial construction input costs, which are currently 56.4% higher than in February 2020. This financing move aligns with a broader industry trend of specialty lenders filling the gap left by traditional banks in energy-related infrastructure.

Contractors should compare these lien-free terms against existing capital options to determine if faster, collateral-free funding can increase their project closing rates. Evaluate whether the administrative shift of moving documentation to a third-party provider fits your current project workflow.

The takeaway

The launch of Flex suggests that capital accessibility is becoming as critical to project sales as technical expertise in the current high-cost environment. Operators should review their current customer-financing approval times to see if they are losing projects to peers who provide instant digital options.