Partner Development

Enfin Requirements to submit for initial approval

To complete the welcome call with your customer after contract signing, call (833) 586-3677.
Monday - Friday: 5:00am - 9:00pm PT
Saturday - Sunday: 7:00am - 4:00pm PT
Enfin will also make 3 attempts to reach the customer within 3 business days after the agreement is signed (if not already completed by the rep at closing).

The residence must be permanently affixed to the ground, excluding mobile homes in Mobile Home Parks.
- Mobile Home Parks are not allowed.
Either the borrower or co-borrower must be listed on the property's title.
For multi-unit dwellings, the homeowner's association (HOA) must own the entire roof, have HOA approval, and each unit must be metered separately.
Properties located on Indian Reservation Land are not eligible.
A life estate can be considered if the grantor or grantee is on the loan.
EnFin does not accept loans for homes owned by business accounts (LLC, Corporation, Sole Proprietorship).

Minimum FICO score: 620 (TU).
Stated income.
Credit is a soft pull at submission, hard pull at M2.
We check for past BK.
QTY and date of recently-opened credit.
Past dues on bills.
When using coborrower, one borrower must be on title and one must pass credit.
To minimize stips, we highly encourage that the borrower’s name is same as on the TU report, ID and Title of the home.
Primary residence only, value must be > $200K
If property is multi-unit, applicant must either own the roof or have HOA approval.
Residence must be permanently affixed to the ground
System sizes: 3.16 – 45 kW
Electrical consumption offset must adhere to local utility requirements
Year 1 Savings Requirement

** Any individual borrower or coborrower is allowed once in the EnFin portfolio unless an exception is granted

Backup vs Shift - The "Operating Mode" combined with the "Backup Reserve %" is what dictates the product type-

Backup - will by default include a backup (non SHIFT) battery.
Self Consumption - If Backup Reserve is marked as 0%, this will trigger a SHIFT battery/agreement. If anything greater than 0%, the battery will provide economic benefit and back up capability.
Energy Arbitrage - Same as above but with the best CA economics for NEM 3.0. If Backup Reserve is marked as 0%, this will trigger a SHIFT battery/agreement. If anything greater than 0%, the battery will provide economic benefit and back up capability.

Primary residence and second home.
If property is multi-unit, applicant must either own the roof or have HOA approval.
Residence must be permanently affixed to the ground.

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