Solar Mosaic Is Gone — The Loans It Financed Aren't. Get the Record Before You Call an Attorney.

The record on Solar Mosaic — verified

Compiled from court dockets, Florida DBPR records, BBB profiles, and published reporting. Verified July 2026 — 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.

What we see on their Florida jobs

Florida homeowners with dead or underperforming systems still owe their Mosaic-originated loan in full — the lender's bankruptcy is not a defense to payment. 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. Claims against Mosaic itself now run through the bankruptcy estate, so leverage may have to come through the servicer, the installer, or Holder Rule/FDUTPA theories, depending on the facts.

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

Not necessarily. Consumer-protection attorneys often treat the fact that a financer handed money to Solar Mosaic for a system that never worked as the start of the questions — not the end of them.

1. The Holder Rule puts the lender in Solar Mosaic's shoes. Nearly every solar loan contract carries the FTC's required Holder Rule notice. So “they never delivered a working system” can be raised against the loan itself — not just against a contractor that may be bankrupt.
2. How they released the money is often the problem. Solar lenders fund installers on a completion certificate — frequently e-signed on a tablet. We regularly see proceeds released before the system was ever operational.
3. You didn't get what you paid for. No working system is a failure of what you bargained for. Layered with FDUTPA (Florida's deceptive practices statute, attorney's fees recoverable) and TILA (federal truth-in-lending, hidden dealer fees), that funding gap is exactly what an attorney builds a claim around.

Important: don't just stop paying on your own — that can damage your credit and weaken your position. We document the gap first, then your attorney disputes it with the evidence already in hand.