Is Solar Mosaic Still in Business? What the Record Shows

The record on Solar Mosaic — verified

Compiled from court dockets, Florida DBPR records, BBB profiles, and published reporting. Sources below.

Mosaic — a solar LENDER, not an installer — completed its Chapter 11 in fall 2025: a liquidating plan was confirmed Sept. 5, 2025 (effective Sept. 22, 2025), new loan origination ended permanently, and its $8B+ loan book is now serviced by Solar Servicing LLC, a subsidiary of Forbright Bank.

Bankruptcy / court record

Ch. 11 — Mosaic Sustainable Finance Corporation (lead, Case No. 25-90156) and Solar Mosaic LLC (Case No. 25-90155) plus affiliates, jointly administered under No. 25-90156, U.S. Bankruptcy Court, S.D. Tex. (Houston), Judge Christopher M. Lopez, filed June 6, 2025. $45M DIP from prepetition lenders (Forbright Bank as agent). Fourth Amended Joint Chapter 11 Plan of Liquidation confirmed Sept. 5, 2025; effective Sept. 22, 2025 (91 days petition-to-confirmation). Note: filing was 2025, not 2024.

Florida license status

Not applicable — Mosaic is an Oakland, CA consumer-finance company, not a contractor; there is no Florida DBPR contractor license to verify.

Complaint record

BBB Oakland profile logged roughly 620 complaints in 3 years (169 in the final 12 months) before the bankruptcy; ~160 CFPB complaints since 2019; sued by the Minnesota AG in April 2024 (alongside GoodLeap, Sunlight, and Dividend) over hidden dealer fees averaging ~17.6% of loan amounts (~$5,843 per borrower).

Florida footprint

No Florida-specific volume published. Mosaic funded over $15 billion in loans to 500,000+ households nationwide through installer sales networks that included major Florida players — Mosaic Funding is the single largest unsecured creditor in Freedom Forever's 2026 bankruptcy.

Financing seen on their installs

Mosaic IS the lender. The bankruptcy did NOT cancel borrowers' loans: payment amounts, terms, and schedules are unchanged, now paid to Solar Servicing LLC (Forbright Bank subsidiary). No new Mosaic loans are being written; ~$130M in partially funded loans were completed through warehouse lenders.

Reported problems

Florida homeowners with dead or underperforming systems are still billed on their Mosaic-originated loans — the bankruptcy did not change payment amounts or terms. Borrower complaints center on trouble getting payoff letters, lien/UCC-1 releases, and billing fixes from the servicer, which can stall a home sale or refinance. What the loan documents allow is a question for a Florida attorney.

“But the lender already paid Solar Mosaic — aren't I stuck?”

That is a question only a Florida attorney can answer for your loan. Here is what the rules and the records say in general:

1. The FTC Holder Rule notice. Many consumer loan contracts that finance a sale carry the notice the FTC requires, which states that the holder of the loan is subject to the claims and defenses the buyer could raise against the seller, with recovery capped at the amount paid. Whether it reaches a particular loan is a question for a Florida attorney.
2. The funding paperwork. Solar lenders usually release money to the installer on a completion certificate, often e-signed on a tablet. The certificate's date, and whether the system had a final inspection and permission to operate by then, are in the records.
3. Florida and federal consumer rules. FDUTPA (Florida's deceptive and unfair trade practices statute) and TILA (federal truth-in-lending disclosure rules) set out what sellers and lenders must disclose and may not do. Whether either reaches a particular sale or loan is a question for a Florida attorney.

Stopping payments can damage your credit, and whether to keep paying is a decision to make with a Florida attorney. We do not advise on whether to pay. We put the records in one file, yours to keep.