Atmos Financial is a financial technology company that connects homeowners, small businesses, clean energy installers, and financial institutions through a marketplace for clean energy financing. Its platform helps banks, credit unions, and green banks offer and manage lending programs, while giving borrowers access to loan offers from participating lenders.

Atmos provides financing options for residential solar, commercial solar, home electrification, and energy-efficient improvements, including heat pumps and home battery systems. Commercial solar loans are available for small businesses, with loans up to $500,000. Homeowners can prequalify to explore financing for solar and electrification projects, and installers can use embedded tools to present loan options and manage funding timelines.

For lenders, Atmos offers loan origination, servicing, and portfolio management tools to build and oversee clean energy portfolios. The company describes its marketplace as a way to connect institutional capital with distributed energy projects and help customers compare competitive financing. Atmos is not a lender; loans are made by regulated financial institutions, and availability, rates, and credit requirements vary by location and lender.