Sunstone Credit launches new commercial financing product for energy projects

A financing company called Sunstone Credit has launched a new loan product, called Flex, for commercial energy projects. It covers things like HVAC systems, roofing, energy efficiency upgrades, and EV chargers. Loans range from $25,000 to $6,000,000, with fixed rates and terms up to 15 years. The product doesn't require a lien on the property, meaning the lender can't place a claim on the building as collateral, and most credit decisions come back in under a week.

This is aimed at commercial property owners rather than single-family homeowners. The news specifically mentions multifamily buildings, homeowners associations (HOAs), religious institutions, and nonprofits as eligible customers. If you own or manage one of these kinds of properties, this financing option could be worth asking about when getting quotes for HVAC, roofing, or EV charging work, since it offers a faster, lien-free alternative to a traditional bank loan.

For someone in a typical single-family home, this particular product likely doesn't apply directly, since it's built for contractors working on commercial-scale jobs. But it signals that financing options for energy upgrades are expanding beyond solar panels alone, now covering a broader range of building improvements. If you're planning similar upgrades, it's a reminder to compare financing terms, including interest rates, repayment length, and whether a lender requires a lien on your property, across whatever lender or program your contractor offers.