Mosaic was founded in 2010 in Oakland, California as one of the pioneers of clean-energy consumer lending. The company originally built its book around residential solar installation loans and has since extended aggressively into HVAC - particularly heat pumps - along with battery storage, EV charging, roofing, and windows and doors. Mosaic's core product is a long-term installment loan with promotional APRs that run from roughly 0.99% for top-tier qualified borrowers up to 10.59% APR, with an additional 0.50% autopay discount.
For HVAC contractors - especially those selling high-efficiency heat pumps, dual-fuel systems, or electrification retrofits - Mosaic is one of the few lenders whose brand and product are specifically aligned with the electrification narrative. That matters for IRA-era HVAC conversions where the homeowner is already thinking about long-term, energy-focused financing. Mosaic's 15-year CHOICE Loan and similar products stretch payments far enough to make six-figure solar-plus-heat-pump bundles feasible at the kitchen table.
It is important to note that Mosaic filed for Chapter 11 bankruptcy protection on June 6, 2025, citing macroeconomic pressure on residential solar. The company has stated it intends to remain fully operational and continue servicing loans and originating through its contractor network during the restructuring. HVAC dealers should monitor the restructuring progress, but Mosaic remains an active and relevant choice in 2026 for electrification-focused HVAC financing.