Early Access

The First Consumer-Led Clean EnergyFinancing & Referral Marketplace

loanTERRA is opening early access to a new financing and referral marketplace that starts with consumers — not installers or contractors — to lower costs, eliminate hidden loan fees, and put borrowers back in control for solar and other home electrification projects.

loanTERRA

If your home runs on solar, you’ve already navigated one of the most complex and opaque parts of the clean energy market.

With loanTERRA’s new marketplace and referral platform, we’re turning that experience into an asset.

Solar homeowners can:
- Help friends and family avoid hidden loan fees
- Connect them to transparent financing
- Earn compensation when their referrals successfully go solar

This isn’t influencer marketing or high-pressure sales. It’s informed homeowners helping others make better decisions.

1. Consumers check eligibility
Homeowners exploring solar or electrification submit a simple application to evaluate financing eligibility.

2. Conditional pre-approval
Qualified applicants may be eligible for pre-approval, subject to participating lenders and final loan terms.

3. Referral-powered access
Borrowers may enter the marketplace directly online, or through trusted referrals from solar homeowners who have already gone through the process.

4. Installer choice
Borrowers bring their financing to the installer — not the reverse — creating transparency and real competition.

Solar homeowners can share a personalized referral link to friends and family considering solar or home electrification.

When a referred project successfully completes:
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- The referring solar homeowner earns compensation
- Borrower costs do not increase
- Compensation is not tied to loan markups or hidden fees

The referral model reduces customer acquisition costs across the system while preserving transparency for borrowers.

- Lower customer acquisition costs
- Fewer embedded markups
- More transparent pricing
- Better alignment between borrowers, lenders, installers, and solar homeowners

loanTERRA was built from the ground up to eliminate dealer fees and hidden loan markups. Our team has never designed, operated, or profited from dealer-fee-based financing programs — a distinction not many in this industry can credibly claim.

loanTERRA staff have been protecting consumers in solar lending since 2014.

‍And solar is just the start. The loanTERRA platform is being built to extend beyond solar into other home improvement and electrification projects — so consumers can help consumers, and hidden dealer fees can be driven out of home project financing entirely.

The loanTERRA marketplace and referral platform are launching in phases.

Early access allows consumers and solar homeowners to:
- Join the waitlist
- Participate in referral programs as they activate
- Receive updates as lender capacity comes onlineEarly access does not require any commitment.
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