Who handles Sunlight Financial accounts now

Sunlight Financial still operates and its borrower portal lists Sunlight Financial as the loan servicer contact, with payments mailed to a Sioux Falls, South Dakota address. The loans themselves are made by partner lenders such as Cross River Bank and some credit unions, so the lender named in your loan agreement (or a later buyer of the loan) holds the loan and UCC filing, and Sunlight directs payoff requests to that lender.

Bankruptcy case. Chapter 11, U.S. Bankruptcy Court for the District of Delaware, case 23-11794 (Sunlight Financial Holdings Inc.); Sunlight Financial LLC is 23-11790, filed October 30, 2023. Case website and claim forms.

What it means for homeowners

  • The 2023 bankruptcy did not cancel Sunlight loans; Sunlight said customer relationships would continue uninterrupted.
  • Sunlight's FAQ says you can prepay in full or in part at any time and should call your lender for a payoff balance.
  • Sunlight's FAQ says the lender files security paperwork with the county on the solar system, not a lien on the home, so ask your lender for a UCC termination after payoff.
  • Sunlight's FAQ says the most common choice when selling a home is to pay off the loan balance.
  • Complaints can go to Sunlight, the lender named in your loan agreement, your state attorney general, your state financial regulator, or the CFPB.

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Timeline

November 2022

Nine state attorneys general asked Sunlight and other lenders to pause payments for Pink Energy customers.

October 30, 2023

Sunlight Financial Holdings Inc. and affiliates filed prepackaged Chapter 11 cases in the U.S. Bankruptcy Court for the District of Delaware (No. 23-11794), with a deal to be acquired by a consortium including Cross River Bank.

December 5, 2023

The Delaware bankruptcy judge said she would approve Sunlight's prepackaged plan.

December 7, 2023

Sunlight announced it completed its restructuring and was acquired by ED Umbrella Holdings, LLC (Greenbacker Capital Management affiliate, Sunstone Credit, IGS Ventures, and others) together with Cross River Bank.

January 2024

Sunlight and Cross River Bank announced a sale of a portfolio of Sunlight loans.

March 2024

Minnesota Attorney General sued Sunlight Financial LLC and three other lenders over alleged hidden dealer fees.

January 2025

Minnesota AG case remanded to Hennepin County District Court.

Official contacts

Sunlight Financial main contact

Email info@sunlightfinancial.com; office at 101 N. Tryon Street, Suite 900, Charlotte, NC 28202; Spanish-speaking help on request.

Visit the official page (888) 850-3359

Sunlight Financial borrower account contact

Mailing address Sunlight Financial, PO BOX 91910, Sioux Falls, SD 57109-1910; secure messages through the online account.

Visit the official page (877) 536-0661

Sunlight Financial borrower FAQs

Covers prepayment, the county security filing on the solar system, and home sales; email support@sunlightfinancial.com.

Visit the official page (888) 850-3359

Omni Agent Solutions bankruptcy case site

Claims agent site for the 2023 Chapter 11 case.

Visit the official page

Government actions

Actions by regulators and attorneys general. Lawsuits describe allegations unless a court ruled or the case settled.

  • March 2024, Minnesota Attorney General. On March 8, 2024, Attorney General Keith Ellison announced a lawsuit in Hennepin County District Court against GoodLeap LLC, Sunlight Financial LLC, Solar Mosaic LLC, and Dividend Solar Finance LLC. The complaint alleges deceptive trade practices, deceptive lending, and illegally high interest rates, including that the lenders advertised low interest rates while concealing upfront dealer fees of about 15% to 30% on more than 5,000 Minnesota solar loans since 2017 (about $35 million in fees). These are allegations, not findings. Sunlight Financial LLC is a named defendant. Source
  • January 2025, U.S. District Court for the District of Minnesota. The case was removed to federal court on April 5, 2024 (No. 0:24-cv-01181). The court denied the State's first remand motion on October 22, 2024, then granted the State's renewed motion on January 16, 2025, after the State's amended complaint dropped the usury count against Dividend, and sent the case back to Hennepin County District Court. No judgment or settlement was found as of November 1, 2026. Source
  • November 2022, Nine state attorneys general (led by North Carolina). Sent a letter to Sunlight, Cross River Bank, and other lenders asking them to pause payments and interest for Pink Energy customers whose systems were never installed or did not work. This was a request, not an enforcement order. Source

Your options

Sources

  1. Sunlight emergence release (SEC exhibit 99.1), Dec. 7, 2023. Completed Chapter 11 restructuring and acquisition by ED Umbrella Holdings and Cross River Bank.
  2. pv magazine USA, Oct. 31, 2023. Bankruptcy filing and consortium members.
  3. Solar Power World, Oct. 2023. Customer relationships to continue; lending through Cross River Bank; Omni hotline and FAQ site.
  4. Law360, Dec. 5, 2023. Delaware bankruptcy court, case 1:23-bk-11794, filed October 30, 2023; judge would approve prepackaged plan.
  5. Sunlight contact, borrower contact, and FAQ pages. Phones, addresses, Cross River Bank as lender, payoff and security filing guidance.
  6. Sunlight press page. 2024 releases, including January 2024 loan sale with Cross River Bank.
  7. Minnesota AG release. Sunlight Financial as a named defendant.

About this profile.

Solar Accountability is independent of Sunlight Financial. This page reports public facts from the sources listed and is not legal advice. If something here is out of date, please let us know.