Monthly instalments from €99. €0 deposit. Real-time approval.
Photovoltaics, storage, heat pumps, wallboxes, energy-efficient retrofits – end customers' investments run into the five-figure range. And it's often right there that financing decides whether a quote becomes a contract. Traditional banks need weeks to approve the necessary financing, not infrequently even months. Those are weeks in which installers lose orders.
Cloover turns weeks into minutes. We offer the end customer embedded instalment payments for the entire system, directly within the sales conversation – with approval in under two minutes and an approval rate of over 94%.
Installers are paid out immediately after installation sign-off: no outstanding receivables, no waiting, and no payment risk.
Why our financing works reliably
In January 2026 we announced a total financing commitment of USD 1.2 billion: USD 22 million in Series A, plus USD 1.2 billion in debt capital, as well as a EUR 300 million guarantee from the European Investment Fund.
These funds flow directly into the instalment plans that installers offer their end customers. While traditional banks only review conventional credit metrics, our AI-based creditworthiness assessment also evaluates the long-term energy savings of the system and decides in real time.
What end customers get
What installers gain as partners
The installer's brand stays visible. Cloover stays in the background – as a supporting partner on equal footing.
More than financing
Cloover is the AI operating system for the energy transition: customer financing, purchase financing, energy management, and workflow automation in a single platform. Nearly 500 partners across the DACH region, Sweden, and the Netherlands have processed around EUR 100 million in project volume through it in 18 months.
Cloover. Financing that closes deals.
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Floorplan BoothC5.473