Atmos Financial is a financial technology company that offers banking services focused on funding solar and clean energy projects through customer deposits and loans. By providing accounts that earn cash-back on sustainable purchases and high-interest savings options, Atmos enables individuals and businesses to directly support the transition to a clean economy while maximizing their financial impact.
Funding
$600K raised to dateRaised to date based on public sources. This may differ from the amount the company actually raised and is based only on what is publicly available on the internet.
Founders
Product
Problem
Traditional banking and lending practices often fail to prioritize investments in renewable energy and sustainable projects, hindering the transition to a clean economy. Consumers and businesses lack accessible financial products that directly support and benefit from environmentally responsible initiatives. Existing lending platforms often lack the specialized tools and marketplace to efficiently connect lenders, installers, and borrowers in the clean energy sector.
Solution
Atmos Financial provides a financial technology platform that connects individuals, businesses, lenders, and installers to accelerate the deployment of capital in the clean energy sector. The platform offers banking services, including personal and business savings accounts, that direct deposits towards funding solar and climate projects. Atmos also provides a marketplace for clean energy loans, connecting borrowers with lenders offering competitive financing terms for solar, electrification, and energy-efficient home improvements. For lenders, Atmos offers integrated loan origination, servicing, and portfolio management tools to build and manage high-performance clean energy portfolios.
Target Audience
Atmos Financial targets individuals and businesses seeking banking services that support climate-positive initiatives, as well as lenders and installers in the clean energy sector looking to expand their reach and streamline financing processes.
Features
- Personal checking accounts offering up to 5% cash-back on purchases at sustainable businesses
- Personal and business savings accounts that fund clean energy projects
- A lending marketplace connecting borrowers with lenders for solar, electrification, and energy-efficient home improvement loans
- Loan origination and servicing tools for lenders to manage clean energy portfolios
- Pre-qualification process that performs a soft credit inquiry
- FDIC insurance up to $250,000 through partner bank, Five Star Bank
- SOC 2 compliance, ensuring data security and protection of customer information