Most origination platforms handle workflow. Eli handles workflow and capital flows, advancing funds to contractors at installation, coordinating incentives, and moving capital through the transaction from multiple sources at once.
Most lenders entering DER and electrification lending run generic origination and decisioning systems that were never designed for the compliance, eligibility, and verification that energy programs demand.
Eli enrolls projects in applicable rebate and incentive programs and advances incentive funds to the contractor at installation, independently of the loan. The loan is sized against verified net project cost, not a projected cost subject to qualification risk.
By the time the loan funds, Eli has confirmed program eligibility and committed the incentive advance. You lend against a known number, not a range, eliminating a material source of origination uncertainty other platforms leave unresolved.
Eli advances contractor payments against loan commitments using its own debt facility, in a forward-flow arrangement or a simpler advance structure, before your standard funding cycle completes. Contractors get paid at installation. You fund on your normal timeline.
Contractors who get paid immediately close more jobs and originate more loans. The payment-timing advantage isn't just a contractor benefit, it's a volume driver for the lending program.
Watch Eli resolve the full capital stack for a real installation, verifying each incentive layer before the loan funds, so you lend against a known number.
You lend against the verified net cost, not the $12,800 sticker price.
Launching a building electrification lending program means solving a hard set of problems: reaching borrowers through a contractor network, managing onboarding and compliance, building application and eligibility workflows, integrating with incentive programs, and standing up decisioning and payment infrastructure. Most lenders either never start or spend years getting to a functional program.
Eli provides the entire stack, purpose-built for this asset class and configurable to your credit criteria and program design.
Contractor network infrastructure
Configurable requirements and approval workflows, a self-serve onboarding portal, and access to Eli's active network as an immediate origination foundation, with room to grow your own on top.Borrower origination
Application intake, income qualification, equipment verification, and incentive stacking at the point of sale, built into the contractor's existing workflow.Underwriting and decisioning
AI-native decisioning configured to your credit box, purpose-built for the compliance and eligibility requirements of building electrification and DER lending.Capital flow management
Incentive enrollment and advance at installation to remove net-cost uncertainty, contractor payment at installation, and settlement and reconciliation.Program operations
Portfolio reporting, audit trails, structured data exports, and cohort-level performance analytics.For partners who want immediate access to a verified origination pipeline without building or managing contractor distribution, Eli deploys directly into its existing network. We apply your credit criteria to incoming projects before installation, enroll projects in applicable incentive programs, advance incentive funds independently of the loan, and deliver pre-qualified borrowers with full verified data packages. Contractors are paid at installation. You fund on your timeline.
Bank partnership / API model
Eli pre-qualifies borrowers against your credit box, coordinates incentives, and delivers a verified data package via API. You fund on a standard settlement cycle. Eli pays the contractor at installation using its advance infrastructure.Forward flow / structured programs
On-bill tariff programs, warehouse-based lending, and portfolio purchasing. Eli generates loan packages at volume against pre-agreed criteria with structured reporting, and its debt facility can advance contractor payments before your funding cycle completes.Eli has advanced over $30 million against incentive receivables at a 0.02% dollar-weighted loss rate. That reflects the asset type, advances against verified, program-approved receivables with full compliance documentation, and the infrastructure that produces the verification. The same data and compliance layer applies directly to DER and electrification loan origination.
Whether you're building a lending program, deploying through an existing network, or exploring forward flow, we'll learn your deployment model and show you what the infrastructure can do.