- Dec 2023: Sunlight left bankruptcy under new owners.
- Oct 30, 2023: Sunlight filed for Chapter 11.
- Aug 2023: Sunlight warned it might not stay in business.
What happened to Sunlight Financial?
Sunlight Financial helped homeowners get solar loans through their installers. It went public in 2021. By 2023, it had trouble finding money for new loans.
- Sunlight warns it may not survive. It says it’s having trouble getting money for new loans.
- Sunlight files for Chapter 11 in Delaware and agrees to a sale.
- Sunlight leaves bankruptcy. Solar investors and Cross River Bank now own it.
Lenders can fail, but loans usually live on. Mosaic, another solar lender, filed in 2025. See the Mosaic guide, or our main solar bankruptcy guide.
What should Sunlight borrowers do now?
For most people: keep paying, and keep your papers. Tap the one that sounds like you.
Sunlight came out of bankruptcy with new owners. Keep paying under your loan agreement, and save your statements.
Your paymentsYour loan is separate from your installer. Keep paying, and use the makers’ warranties for repairs.
Get repairs safelyReach out before you miss a payment. Ask about options, and get the answer in writing.
Stay on trackSunlight worked through installers. Your loan agreement and statements name the lender and servicer.
Who’s involvedConfirm any change with a number from an old statement. Never pay a new account on a stranger’s word.
Spot the scamScammers target borrowers after bankruptcies. Hang up and call your servicer at a number you trust.
Spot the scamWho is behind my Sunlight Financial loan?
Sunlight worked between you, your installer and lenders. Your loan papers show who holds your loan.
Do I still have to pay my Sunlight Financial loan?
Yes. A bankruptcy doesn’t cancel your loan. Sunlight also came out of bankruptcy with new owners.
- A bankruptcy or shutdown doesn’t cancel it
- Your lender’s name is on your loan papers
- Call the lender with any questions
- Panels, inverters and batteries cary maker warranties
- Find the brands on your contract or labels
- A licensed installer can file a claim for you
What warning signs did Sunlight Financial show before bankruptcy?
Sunlight’s warnings showed up in its own reports and court papers.
- It sold $153 million of loans for just $94 million, its CEO later told the court.
- Its quarterly report raised doubt about its ability to keep going.
- It filed for Chapter 11 with a sale to investors already lined up.
How do I get repairs and avoid scams?
Your loan doesn’t cover repairs. For a broken part, use the maker’s warranty and a licensed installer. Then watch for these scam signs.
- They call you firstA stranger knows you had Sunlight Financial. They offer to “take over your warranty” for a fee.
- They want money upfrontReal repair companies quote first. Never pay to keep a warranty you already have.
- They change where you payA sudden “new account” for your lease or loan. Call the servicer at a number you already trust.
Sunlight Financial questions, answered
Is Sunlight Financial still in business?
Yes. Sunlight Financial filed for bankruptcy on October 30, 2023, and came out in December 2023 with new owners. A group of solar investors and its main lender, Cross River Bank, now own it. Your loan didn’t go away because of the bankruptcy.
Did Sunlight Financial go bankrupt?
Yes, briefly. Sunlight filed for Chapter 11 on October 30, 2023, in Delaware. It used the case to sell itself to solar investors and Cross River Bank. It left bankruptcy about five weeks later, in December 2023, under its new owners.
Do I still have to pay my Sunlight Financial loan?
Yes. A bankruptcy doesn’t cancel your loan, and Sunlight came out of bankruptcy with new owners. Keep paying under your loan agreement. If anyone tells you to pay a new account, check it first with a number you already trust.
Who owns Sunlight Financial now?
A group of solar industry investors, including an affiliate of Greenbacker Capital Management, Sunstone Credit and IGS Ventures, bought Sunlight. Its main lender, Cross River Bank, was part of the group. The deal closed when Sunlight left bankruptcy in December 2023.
Who is my lender if I have a Sunlight loan?
Check your loan agreement and statements. Sunlight was a platform your installer used to arrange financing. Your papers name the bank or credit union that holds your loan and who services it. Call that company with any questions. Keep those papers somewhere safe.
What happened to my Sunlight loan in the bankruptcy?
For most borrowers, nothing changed. Sunlight used a fast Chapter 11 case to sell itself and cut its debts. It came out in December 2023 with new owners. Your loan terms are set by your loan agreement, so keep paying as it says.
Why did Sunlight Financial go bankrupt?
Sunlight had trouble getting money to fund new solar loans. That hurt its core business of arranging loans and selling them to investors. In August 2023, it warned it might not survive. It filed for bankruptcy that October. It came out of bankruptcy that December.
When did Sunlight Financial come out of bankruptcy?
Sunlight said it finished its Chapter 11 case and came out of bankruptcy in December 2023. Its new owners included solar investors and Cross River Bank. The company kept working with installers to arrange solar and home improvement loans. Your loan payments go on as your agreement says.
How could you tell Sunlight was in trouble?
In August 2023, Sunlight’s quarterly report said there was doubt it could keep going, because it was struggling to fund new loans. It filed for bankruptcy about three months later. A public survival warning is one of the clearest red flags.
My installer went out of business. Do I still pay my Sunlight loan?
Yes. Your loan is separate from your installer. Keep paying under your loan agreement. For repairs, use the equipment makers’ warranties and a licensed installer. Keep records of any work your old installer never finished. Missed payments can hurt your credit.
Where can I find Sunlight Financial’s bankruptcy information?
Sunlight posted FAQs about its case at omniagentsolutions.com/Sunlight. The case was filed in the U.S. Bankruptcy Court for the District of Delaware. You can also search federal court records on PACER for the full case file. Keep your loan papers handy when you look.
How do I avoid solar loan scams?
Be careful with anyone who calls you first, asks for money upfront or tells you to pay a new account. Hang up and call your servicer at a number from an old statement. Never share your login. Report scams to your state attorney general.
Can Sunlight pause my payments if my installer went out of business?
It’s worth asking. When Pink Energy collapsed, Sunlight said it offered relief, including payment deferrals, and made more than 2,700 calls to customers. Ask in writing, explain what happened, and keep paying until you get an answer. Save a copy of your letter.
Sources and updates
Sources (13)
- Sunlight Financial, SEC Form 8-K Exhibit 99.1, Sunlight Financial acquired by solar industry investors, October 30, 2023.
- Sunlight Financial (company release), Sunlight Financial emerges from restructuring process, December 2023.
- pv magazine USA, a solar trade publication, Sunlight Financial files bankruptcy: the August 2023 going-concern warning.
- American Bankruptcy Institute (summary of Bloomberg News), Sunlight Financial files for Chapter 11: the debts it listed.
- Omni Agent Solutions (Sunlight’s case agent), Sunlight Financial case information.
- U.S. Courts, Official Form 410, Proof of Claim and instructions.
- Federal Register (Judicial Conference of the United States), Revision of Certain Dollar Amounts in the Bankruptcy Code: the $3,800 consumer deposit priority.
- U.S. Department of Labor, Plant closings and layoffs (WARN Act): layoff notice rules.
- Administrative Office of the U.S. Courts, PACER: federal court case search.
- U.S. Securities and Exchange Commission, EDGAR full-text search: public company filings.
- pv magazine USA (trade news), Sunlight Financial files bankruptcy: going-concern warning.
- BNN Bloomberg (news), Sunlight Financial files for Chapter 11: loan sale at a loss.
- WSOC-TV (Charlotte news), Will Pink Energy customers have to pay back loans?: lenders asked to pause payments; Sunlight relief.
Changelog · last updated October 5, 2026 · 1 update
- October 5, 2026: Guide published with Sunlight Financial’s bankruptcy and exit, who’s behind your loan, payment steps and the warning sign that came first.
How to cite this page: The Day Company, “Sunlight Financial went bankrupt. What happened to your solar loan?”, updated October 5, 2026, https://theday.company/solar-bankruptcy/sunlight-financial.
This guide explains public records in plain language. It is not legal advice. For your own situation, talk to a bankruptcy lawyer or legal aid. The Day Company is not tied to Sunlight Financial, any buyer, servicer, lender or installer, and no company pays for placement in this guide.