- Oct 13, 2026: We checked court and trade news again and found no new Sunlight bankruptcy since it exited in December 2023.
- 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. If it was your installer that failed, start with what owners can still do.
What should Sunlight borrowers do now?
For most borrowers: keep paying, and keep your papers. Choose the line that matches 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 safelyCall before a payment is late, not after. 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 involvedCheck any change using the phone number on an older statement. Don’t send money to a new account because a caller says so.
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 set up loans through installers. A bank or credit union usually made the loan, and that lender is who you pay.
Your loan statement should cary the lender’s name, its phone number and your account number.
Do I still have to pay my Sunlight Financial loan?
Yes. Sunlight’s bankruptcy never touched what you owe, and Sunlight came out of it with new owners.
Subject: Request for payment relief on my solar loan Account number: [your account number] Name on the loan: [your name] My solar installer, [installer name], went out of business on or about [date]. [Say what was never finished or what stopped working.] I am asking whether you can offer relief, such as a payment pause or deferral, while this is resolved. Please also tell me who to contact about the unfinished work or repairs. Please reply in writing. I will keep paying as agreed until I hear back from you. [Your name] [Phone and email] [Date]
Fill in the yellow parts, then mail or email it to the lender on your statement. Keep a copy with the date you sent it.
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 pay for repairs. For a broken part, go to its maker, and pay a licensed installer to do the work. Loan scams are the bigger risk here.
- “Your loan was sold to us”A caller says your Sunlight loan moved and gives a new place to pay. Check with the lender on your statement first.
- Loan forgiveness for a feeNo one can erase a solar loan for an upfront fee. Ask legal aid or a housing counselor instead.
- Requests for your loginA real lender won’t ask for your password by phone. End the call, then dial the lender yourself.
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. Direct your questions to that company, and 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, which hurt its core business of arranging loans and selling them to investors. That August, it warned in a public report that it might not survive. It filed for bankruptcy that October and came out 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, so 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. Skipping payments can hurt your credit score.
Where can I find Sunlight Financial’s bankruptcy information?
Sunlight posted FAQs about its case at omniagentsolutions.com/Sunlight. The case was filed in Delaware’s federal bankruptcy court. PACER, the federal court records site, has the full case file. Keep your loan papers handy when you look.
How do I avoid solar loan scams?
Treat surprise calls, upfront fees and “new account” requests as red flags. Call your servicer back at a number from an old statement, and never share your login. Your state attorney general takes scam reports.
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. Make the request in writing, say what your installer left undone, and keep paying while you wait. Our free letter above has the wording.
Other solar lenders and installers in trouble
Looking for a different company? Browse all 12 failures we cover.
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 17, 2026 · 3 updates
- October 17, 2026: The Freedom Forever link now says its claim deadline passed on October 16.
- October 13, 2026: Moved to theday.company/solar-bankruptcy/sunlight-financial-bankruptcy; the old address forwards here. Added a quick decision box and next-step links. Swapped the company table for a chart of who holds your loan, added a free letter to ask your lender for payment relief, loan scam signs and an answer on asking for relief.
- 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 17, 2026, https://theday.company/solar-bankruptcy/sunlight-financial-bankruptcy.
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 can pay for placement in this guide.