Introduction
Mosaic is the world’s first peer-to-peer lending platform for solar energy. It uses a unique model, self-securitization, a hybrid of crowdfunding and asset-backed securitization, to pool together funds from hundreds of people and lend them to homeowners looking to install solar on their roofs. Investors are able to invest directly in specific solar projects or can invest in a portfolio of projects offered through the platform. With solar energy, when you put money into buying solar panels for your house, you directly use that energy yourself instead of just giving your money to the utility.”
Mosaic is the world’s first peer-to-peer lending platform for solar energy.
Mosaic is the world’s first peer-to-peer lending platform for solar energy. Mosaic allows you to invest in residential and commercial solar projects around the country.
Mosaic employs a unique model, self-securitization, a hybrid of crowdfunding and asset-backed securitization. Self-securitization allows Mosaic to provide investors with attractive returns while improving access to capital for solar projects through its online marketplace.
This article will explain what self-securitization is and how it works at Mosaic so you can become an investor in their platform that helps fund environmentally responsible energy projects across America!
Mosaic uses a unique model, self-securitization, a hybrid of crowdfunding and asset-backed securitization, to pool together funds from hundreds of people and lend them to homeowners looking to install solar on their roofs
Mosaic uses a unique model, self-securitization, a hybrid of crowdfunding and asset-backed securitization, to pool together funds from hundreds of people and lend them to homeowners looking to install solar on their roofs. If your house has a good enough rooftop for solar panels and you’re interested in becoming an early adopter of clean energy technology, Mosaic will help you apply for funding and then pay back the loan with monthly payments over 20 years.
Mosaic connects with homeowners by partnering with SolarCity—the largest installer of residential solar in the country—and other trusted providers of renewable energy systems (RES). When RES providers offer Mosaic customers discounted rates on their installation services as part of their partnership agreements (which they do), Mosaic offers those customers even more savings through lower interest rates on their loans!
Investors are able to invest directly in specific solar projects or can invest in a portfolio of projects offered through the platform.
Investors can invest directly in specific solar projects, or they can invest in a portfolio of projects offered through the platform.
Investors who want to be more hands-on may choose to invest directly in specific solar projects by purchasing contracts for the energy generated by individual installations. Alternatively, investors who prefer a less “active” approach can simply select one or more portfolios of projects rated on a risk scale from A+ to C-. These portfolios are rated according to their average costs and risks associated with investing in each project type (residential rooftop solar, commercial rooftop solar and utility-scale ground mount). For example:
- Portfolio A+ is comprised primarily of residential rooftop systems that provide an average annual return of 6% over 20 years with moderate levels of risk.
- Portfolio B- offers an average annual return of 8% over 20 years with high levels of risk
With solar energy, when you put money into buying solar panels for your house, you directly use that energy yourself instead of just giving your money to the utility
For example, let’s say you’re interested in solar energy as an investment. You could install solar panels on your home, and then use the power they generate to power your appliances. This is different than if you were to just give those same dollars to a utility company—the utility company wouldn’t use those dollars directly for you; instead it would use them to pay its investors or shareholders back. As a result of this difference in how the money is used by investors/shareholders versus how it’s used directly by consumers like yourself, there are several benefits with investing in solar energy:
- Consumers can save money on their utility bills by using some or all of their own generated electricity instead of purchasing from their local utility company (this often happens when there are net metering programs).
Mosaic’s minimum investment is $25.00 and each project is rated on a risk scale from A+ to C-. By investing in multiple projects, investors can receive an average rate of return ranging from 4% – 8%.
The minimum investment is $25.00, and each project is rated on a risk scale from A+ to C-. Mosaic allows investors to diversify their portfolio by selecting multiple projects, which can help them achieve an average rate of return ranging from 4% – 8%.
The cost of solar has dropped more than 75% over the last 5 years and today customers can buy solar with little to no upfront costs
The cost of solar has dropped more than 75% in the last 5 years, and today customers can buy solar with little to no upfront costs. Solar is getting cheaper, and it’s getting easier to buy it. Solar is becoming more popular and more accessible to the average consumer.
Mosaic originated its first loan in July 2012, completed its first securitization this past June by selling off $23 million worth of loans, and has now raised another $220 million in funding.
Mosaic was founded in 2010 and originated its first loan in July 2012. The company completed its first securitization this past June by selling off $23 million worth of loans, and has now raised another $220 million in funding.
The company plans to use the new funds to continue originating new loans, which it can then sell into larger pools via securitization. As Mosaic grows, so do these pools: the startup currently has a total of $330 million under management across all five states where it operates.
Mosaic is a great way for small investors to buy into solar power installations.
Mosaic is a great way for small investors to buy into solar power installations.
The Mosaic platform allows you to invest in solar power projects on their website, with no obligation and no money down. You choose the amount of money that you want to invest, and as more people invest in the same project, more money goes toward financing it. When the project is completed and generating revenue, Mosaic pays out your investment back at an agreed upon rate—plus interest!
This means that you can get involved in something that aligns with your values without having to buy the panels yourself or even pay for installation costs up front. It’s a win-win situation: You’re investing in renewable energy while also making some money from it down the line when all of those panels start producing electricity!
Conclusion
Mosaic is a great way for small investors to buy into solar power installations.
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