Overview
EnFin is an integrated financier offering TPO products (lease and PPA) in Enerflo. Applications are submitted and managed directly within Enerflo.
Available products: Lease and Levelized Power Purchase Agreement (PPA)
Required design tool: Aurora only
Pricing caps and loan limits: See Financier Loan Limits & Payment Caps by Lender
Requirements
The partner must be authorized by Enerflo to use EnFin TPO
Aurora must be used as the design tool — no other design sources are supported
Sales reps must have a valid EnFin user account matched by email
Equipment must be mapped in the External Equipment Model Mapping page (AVL mapping)
Rep Setup
Before a rep can price or submit an EnFin TPO application, their EnFin email must be entered in their Enerflo profile.
Go to My Account > Integrations > EnFin Email and enter the email associated with their EnFin account.
Once entered, Enerflo will validate the account. A verified badge will appear on the proposal when the rep is confirmed.
If the rep email is missing or doesn't match a valid EnFin account, an error will appear on the proposal view. Click the link in the error to update the email.
💡 ReCheck: EnFin TPO uses ReCheck for identity verification within the EnFin portal. There is no configuration required on the Enerflo side — this is handled entirely within EnFin's platform. See EnFin's ReCheck guide for details.
Deal Flow
Create the deal — Enter the customer's contact information and project address.
Consumption Profile — Create a consumption profile. This is required for EnFin TPO pricing.
Design — Create an Aurora design. Only Aurora designs are supported for EnFin TPO.
Proposal — Select your design, choose EnFin (TPO) as the financier, select a financing product, and select a rate. Click Save & Update Pricing, then finalize the proposal to proceed.
Financing — On the financing stage, review the application details. Add a co-signer if needed (see below), then click Submit Application. The customer will receive an emailed application to complete. Once approved, they will be prompted to set up their bank information.
Post-approval — Once approved, the financing stage updates. Both the customer and the sales rep must sign their agreements to complete the financing task block. Proceed through contracting and remaining deal stages as normal.
Adding a Co-Signer
A co-signer can be added to an EnFin TPO application before submission. The co-signer does not need to live at the property.
On the financing stage, select Add Co-Signer Contact.
Enter the co-signer's details and click Save.
Proceed with submitting the application as normal.
Application Outcomes
Outcome | What it means & next steps |
Approved (including with stipulations) | Application is approved. Customer and rep must sign financing agreements to complete the financing stage. Enerflo calculates and stores the credit expiration date for approved applications. |
Declined | Click Try a New Application to submit a fresh application. |
No Hit / No Match / Credit Freeze | EnFin could not locate the customer's credit report. Ask the customer to verify their name, SSN, and estimated annual income are correct, and confirm their credit is not frozen. The application can be resubmitted within 14 days. |
Editing an Application After Submission
If an EnFin TPO application has been submitted but needs to be updated — for example, to correct customer information — it can be edited without cancelling and restarting.
Navigate to the financing stage for the deal.
Click Edit Application.
Update the relevant fields and save. The application will be resubmitted to EnFin with the updated information.
Cancelling an Application
EnFin TPO applications can be cancelled from two places:
During the pending application view — a cancel option is available before an outcome is reached.
From the Application Monitor — after an outcome has been reached. This requires the Manage Applications permission.
In both cases, a confirmation prompt will appear before the cancellation is processed.
Cancellable project statuses
Applications can be cancelled when the project is in any of the following statuses:
Credit Approved
Project Contract Signed
Project Change Requested
EnFin Review
Pending Income Verification
Pending Income Review
Pending Loan Confirmation Call
Ready for HIC
Pending Title Verification
Pending Title Review
Pending Title and Identity Verification
Pending Title and Identity Review
Pending TPO Confirmation Call
Work Order Sent
Work Order Signed
Ready for Notice to Proceed
Ready for M1
Notice to Proceed Submitted
M1 Submitted
Ready for M2
Change Orders
Changes to an EnFin TPO project can be made by unfinalizing the proposal, editing as needed, and refinalizing. Upon refinalization, the updated information will be pushed to EnFin.
💡 If EnFin returns a "no further action is required" response when an approved proposal is updated, the financing stage will remain in its current state rather than showing an error. No action is needed when this occurs.
Application Monitor
The Application Monitor provides a view of all finance applications on a deal. To access it, navigate to the financing stage and click the ellipse (⋯) menu, then select View Application History.
For EnFin TPO, the Application Monitor supports:
Cancel application — cancels the active EnFin TPO application (see Cancelling an Application above)
Resubmit after decline — update application details and resubmit without creating a new application from scratch
Users need the List Applications permission to view the monitor and the Manage Applications permission to take actions. These can be assigned by an org admin via Settings > Org > Roles.
Common Errors
Error | Cause & resolution |
Rep email not set | The rep's EnFin email is missing or invalid. Click the link in the error and enter a valid email under My Account > Integrations > EnFin Email. |
Only Aurora designs are supported | The proposal is using a non-Aurora design. Switch to an Aurora design to proceed. |
Selected equipment not approved | The equipment on the proposal is not on EnFin's AVL. Ensure the equipment is mapped correctly in External Equipment Model Mapping and matches the approved list. |
System size too large | The system exceeds EnFin's maximum size. Lower the system size, sync the design, and reselect the financing method. |
System size too small | The system is below EnFin's minimum size. Increase the system size, sync the design, and reselect the financing method. |
Existing project at this address | An EnFin application already exists for this customer. Depending on the rep's permissions, they can: cancel the existing application from the Application Monitor on the original deal (requires Manage Applications permission), ask an org admin to cancel it, cancel it from the EnFin portal directly, or contact EnFin support to cancel it. Once the existing application is cancelled, resubmit the new application. |
Customer already exists with a different project ID | Same resolution as above — the existing project or application needs to be cancelled to decouple the customer's email before resubmitting. |
Account not enabled to run apps in this state | The installer's EnFin account has not been enabled for the customer's state. The installer will need to contact EnFin directly to request that the state be enabled. |
No savings found | The proposal does not show savings for the customer. Reduce the offset or update and resync the design. |
Rep email matches but rep is still not recognized | If the rep's Enerflo integration email has been confirmed to exactly match their EnFin account email and the error still appears, this is not an email mismatch issue. It typically points to an account or access-permission problem on the installer's EnFin setup — for example, the rep's EnFin account may not be fully activated or properly linked to the installer's organization within EnFin. This must be resolved directly with EnFin's account team. Enerflo cannot grant or fix EnFin account permissions — contact EnFin support with the rep's name and email and have them investigate on their end. |
Proposal rejected for exceeding state ACP limit | EnFin calculates an Avoided Cost Per kWh (ACP) for every proposal: ACP = (pre-solar annual utility cost − post-solar annual utility cost) ÷ year-1 production (kWh). Each state has a maximum allowed ACP — if a proposal's calculated ACP exceeds that state's limit, EnFin automatically rejects the proposal as a guardrail, not a manual underwriting decision. To resolve, adjust the inputs that drive the pre-solar and post-solar utility cost calculation — most commonly the pre-solar and post-solar utility tariffs in the consumption profile — so the resulting ACP falls back within the state's allowed limit, then re-sync the design and re-submit the application. If you're unsure what the ACP limit is for a given state, contact EnFin or Enerflo Support with the proposal details. |
FAQ
Can the application email be resent to the customer?
Yes. If a customer says they haven't received the EnFin application email, work through these steps in order:
Refresh the financing stage and click Resend.
Have the customer check their spam or junk folder.
If it still hasn't arrived, click Cancel on the application and resend to an alternate customer email address, if one is available.
If none of the above works, contact EnFin directly and ask them to resend the application email from their side.
Any emails sent after the initial application (such as ACH/banking setup or the financing agreement) must be resent from the EnFin portal directly — EnFin does not support resending those through the Enerflo integration.
Why is the application spinning / stuck in "pending"?
A spinning application status is expected behavior, not an error. After submission, the customer receives an emailed application to complete on their own device — the spinner reflects that Enerflo is waiting on this pending customer-side step, not a system failure. You can confirm this by checking the Application Monitor / application history for a note such as "Application has been sent via email to [customer email]." No action is needed until the customer completes their application.
Can an EnFin application submitted directly through EnFin's portal (not through Enerflo) be linked to an Enerflo deal?
No. An application submitted outside of Enerflo, directly in EnFin's own portal, cannot be retroactively connected to an Enerflo deal.