Last week we had Nathan Moura, our Sungage account manager, join us remotely for a full product deep dive. Today Fred ran live comparison examples with the team. Here's everything you need to know and use.

WHO IS SUNGAGE?

Sungage is a Massachusetts-based company and the oldest and largest residential solar loan provider in the US — over 100 employees with offices in Boston, Oakland, and Hawaii.

Your contacts:

• Nathan Moura (Account Manager): 617-812-1459

• Customer Support: 844-786-4243 (available until 10PM ET, US-based, multilingual)

Key facts:

• No hard credit check — soft pull only, does not affect applicant's score

• Loans up to $150,000 — covers solar, batteries, roofs, and incidentals (solar must be at least 25% of loan)

• Battery-only product available up to $50,000, 20-year term

• Available for primary homes, second homes, multi-family up to 4 units (owner-occupied), and new construction

• 90% approval rate for applicants with FICO above 660

SUNGAGE vs. LIGHTREACH — KEY DIFFERENCES

CREDIT & DTI — KNOW THE TIERS

Additional notes:

• Sub-700 FICO: loan capped at 75% of annual income

• Co-signers allowed — uses combined household DTI. Co-signer does not need to be on the deed but must reside in the home.

LOAN PRODUCTS TO KNOW

⭐ Most Popular — 25-Year / 3.99% Best monthly payment. Go-to for the majority of customers.

Bright Start — Deferred Payment Defers 25% of the loan for 3 years. Payment is based on the remaining 75% during the deferral period. Designed to account for rising utility rates. Deferral amount is adjustable in the Sungage portal.

No-Fee 25-Year Loan Best tool for cash customers who plan to pay off early. No dealer fee built in.

Sunrise Loan Lowest monthly payment available. Payment increases 2.9% annually. Best in markets without solar incentives.

💡 Loans are transferable to new homeowners at the same interest rate. In CT and MA, customers often pay the loan off at point of sale — no lease assumption headaches. This is a selling point.

WHY THIS MATTERS IN THE FIELD

• Most of our competition does not have access to Sungage. This is not a loan every solar company can offer — use it.

• Customer was told "no" somewhere else? Run them through Sungage before walking away. 90% approval rate for 660+ FICO.

• Ground mount customer? Sungage covers it. LightReach doesn't. Don't lose that deal.

• Higher DTI tolerance means customers carrying more debt may still qualify. Don't assume — run it.

• Customer near 640 or just under 700? Suggest Experian Boost before calling it a no.

• Loan denied? Ask the customer if they received a counter-offer in their denial email — sometimes a lower loan amount still closes the deal.

⚠️ COMPLIANCE — DO NOT DO THESE THINGS

• Do NOT create an email address for a customer to use on their application

• Do NOT fill out the application on the customer's behalf

• Do NOT combine Sungage with other loan products in a single deal

• Do NOT explicitly tell a denied customer they received a counter-offer — you can only ask if one was included in their denial emai

Big news for your pipeline: we just dropped our cash and loan pricing, and the gap between our cash/loans options and LightReach TPO just got a LOT SMALLER!