Sunstone Credit

Credit and underwriting are led by Jim Barber, who brings over 15 years of lending experience from Truist, Silicon Valley Bank, and Fifth Third Bank. The leadership team operates with a flat structure, with Josh Goldberg providing strategic direction and Duncan Hinkle managing installer partner relationships. Product and capital markets strategy is overseen by Scott Muckleroy, who previously worked in investment banking at Barclays and UBS.

Sunstone focuses exclusively on onsite commercial solar installations for businesses. Loan sizes range from $50,000 to $6 million with terms between 5 and 20 years. The firm provides 100% financing with no prepayment penalties, targeting small and medium-sized enterprises across sectors including manufacturing, agriculture, and retail.

Sunstone originates loans through a network of solar installers, developers, and EPCs who integrate the firm's digital platform into their sales process. Installers submit borrower applications through Sunstone's system, which provides status updates as underwriting progresses. The firm does not currently disclose the total count of installer partners.

Sunstone operates as both. It directly originates and services commercial solar loans while providing a white-labeled digital platform that solar installers use to manage financing applications. This hybrid structure means Sunstone controls the full financing stack — borrower application, underwriting, and servicing — rather than acting solely as a loan marketplace or software vendor.

Sunstone evaluates borrower creditworthiness based on the business's financial profile, not the terms offered by the installer. Interest rates vary by loan term, with multiple rate options available so installers can select products matching their local market. The firm does not disclose specific credit criteria publicly but states it assesses partners on a case-by-case basis.