SKYLAR_DATA: INSTALLER FAQ - SKYLIGHT LENDING
Last updated: 2026
CATEGORY: PRODUCTS AND LEASE TERMS
Q: What lease products does Skylight Lending currently offer?
A: Skylight Lending offers two solar lease products. Solar Lease is a standard solar panel lease for residential customers. Solar Plus Battery Lease is a combination lease for customers adding both solar panels and a battery storage system. Both are structured as 25-year leases with escalator options available up to 3.99% in most states.
Q: How long is the lease term?
A: All Skylight Lending lease products are 25-year leases.
Q: What escalator options are available?
A: Escalators are available up to 3.99% in most states. The escalator determines the annual rate at which the lease payment increases over the 25-year term. The 3.99% escalator is NOT available in Massachusetts. Contact your account manager for escalator options available in your market. Choose the escalator that works best for your pricing and your client's payment preference. There is no specific escalator that Skylight pushes.
Q: Are there any products coming soon?
A: Yes. In the near future Skylight Lending will offer a battery-only lease product for customers interested in adding battery storage without solar, including those interested in participating in Skylight's upcoming Virtual Power Plant (VPP) program. Contact your account manager for updates.
CATEGORY: APPLICANT ELIGIBILITY
Q: What are the minimum requirements to qualify for a Skylight lease?
A: Applicants must meet all of the following. Minimum FICO score of 660. Minimum annual income of $50,000. At least one applicant must be listed on the property deed. Skylight also reviews for other factors such as recent bankruptcies or major delinquencies. Meeting the minimum thresholds does not guarantee approval.
Q: Can an application have more than one applicant?
A: Yes. An application may include up to two co-applicants. Both co-applicants must individually meet the minimum FICO score of 660. Scores are not averaged between applicants. At least one applicant must be listed on the property deed for the installation address.
Q: What if the property owner on record does not match the applicant?
A: If the property owner on record does not match the customer applying for the lease, a title or deed upload will be required before NTP can be issued. This is determined during the opportunity creation process in the portal. For properties held in a trust, the trust document showing the applicant as trustee or beneficiary with authority to sign will be required.
CATEGORY: NTP AND REQUIRED DOCUMENTS
Q: What documents does an applicant need to submit?
A: Always required: Government-issued photo ID front and back. Utility bill no more than 60 days old that shows service address, account number, meter number, and kWh usage. Property and Structural Integrity photos required for every lease. Required where applicable: Property trust documents if the property is held in a trust. Bank account verification if underwriting cannot verify ACH information. Title or deed if the property owner on record does not match the applicant.
Q: What are the utility bill requirements?
A: The utility bill must meet all of the following. No more than 60 days old. Must show a minimum 30-day service or usage period. Must show the service address, account number, meter number, and recent monthly kWh usage. Must NOT show any past-due or late charges. If the utility bill shows a past-due balance it will be rejected and a current bill will be required before NTP can be issued.
Q: What is the Notify Lender button and why is it important?
A: After uploading each document in the NTP checklist you MUST click Notify Lender to alert Skylight Underwriting that the document is ready for review. If you do not click Notify Lender after uploading the document will not be reviewed and your NTP will be delayed. This step is required after every single document upload. Normal underwriting processing time is 24 to 48 business hours after Notify Lender is clicked.
Q: What is the add-on acknowledgement and when is it required?
A: Every lease requires an add-on acknowledgement in the portal. This is not exclusive to add-on projects. If it is displayed during the NTP process it must be completed before NTP can be issued. For actual add-on systems (adding panels to an existing solar installation) the acknowledgement confirms: new engineering plans are in place, separate commissioning will occur, a new PTO is required, and installation photos show a minimum 12-inch separation from the existing system. Add-on projects are NOT allowed if an existing battery is already present on the property.
Q: Does a Solar Plus Battery lease have any special NTP requirements?
A: Yes. If the lease is a Solar Plus Battery lease, Skylight Lending must have your battery certifications on file before NTP can be issued. If your battery certifications have not already been submitted, email them to InstallerSupport@skylightlending.com. Failure to submit these certifications will delay NTP approval.
CATEGORY: WELCOME CALL
Q: What is the welcome call?
A: After the lease documents are signed, customers are required to complete a welcome call with Skylight Lending. This call verifies that the customer understands the terms of their lease agreement and is a required item on the NTP checklist. NTP will not be issued until the welcome call is confirmed as completed.
Q: Who completes the welcome call, the installer or the customer?
A: The welcome call is completed by the customer through their Home Monitor portal. It is not completed by the installer. If your customer needs guidance on completing the welcome call, refer them to the Video Welcome Calls article in the Help Center.
CATEGORY: COMPLIANCE AND STRIKES
Q: What is a strike?
A: A strike is a formal flag issued by Skylight Lending's compliance team when an installer or representative engages in conduct that violates program policies, misrepresents information, or places customers or the lending program at risk. Strikes are reviewed case-by-case by the compliance team and may result in a formal warning, account suspension, deal-level action, or termination of the installer agreement.
Q: What actions can result in a strike?
A: Actions that may result in a strike include but are not limited to: Use of invalid customer emails or co-applicants. Fraudulent credit, contract, or ACH activity. Submitting altered documentation or intent to deceive. Recheck ID sharing. Customer delinquencies or escalations. Trends of targeting vulnerable consumers. For the most serious violations including fraud or intent to deceive, Skylight Lending may proceed directly to suspension or termination without prior notice.
Q: What should I do if I receive a strike notice?
A: If you receive a strike notice and believe it was issued in error: Review the strike notice and note the specific violation cited. Gather any supporting documentation relevant to the transaction. Contact your account manager or email InstallerSupport@skylightlending.com as soon as possible. Do not submit new applications related to the flagged deal until the review is resolved.
CATEGORY: HOURS OF OPERATION AND HOLIDAYS
Q: What are Skylight Lending's normal hours of operation?
A: The Installer Support team is available Monday through Friday 8:00 AM to 5:00 PM CST. The office is closed on weekends and all observed holidays.
Q: What are the 2026 observed holidays?
A: The Skylight Lending office will be closed on the following 2026 observed holidays. New Year's Day Thursday January 1st. Memorial Day Monday May 25th. Independence Day observance Friday July 3rd (July 4th falls on Saturday so the observance is moved to Friday July 3rd). Labor Day Monday September 7th. Thanksgiving Day Thursday November 26th. Day After Thanksgiving Friday November 27th. Christmas Eve Thursday December 24th. Christmas Day Friday December 25th.
Q: How do holidays affect NTP and underwriting processing times?
A: Normal underwriting processing time is 24 to 48 business hours. On observed holidays the Installer Support and underwriting teams are unavailable which means processing times will be extended around holiday dates. Documents submitted the day before a holiday will begin review on the next available business day. Plan submissions early especially around the Thanksgiving stretch November 26 to 27 and the Christmas stretch December 24 to 25 when the office is closed two consecutive days.
CONTACT: InstallerSupport@skylightlending.com | (866) 471-6595 | Houston TX 77024 | Monday through Friday 8am to 5pm CST
Installer FAQ — Skylight Lending Help Center
Installer FAQ
Installer Frequently Asked Questions
Answers to the most common installer questions about Skylight Lending
products, applicant eligibility, NTP requirements, compliance, and
office hours. Click any question to expand the answer.
📦 Products & Lease Terms
Skylight Lending currently offers two solar lease products:
Solar Lease — a standard solar panel lease for residential customers
Solar + Battery Lease — a combination lease for customers adding both solar panels and a battery storage system
Both are structured as 25-year leases with escalator options available up to 3.99% in most states.
All Skylight Lending lease products are 25-year leases.
Escalators are available up to 3.99% in most states. The escalator determines the annual rate at which the lease payment increases over the 25-year term.
Massachusetts — 3.99% not available
The 3.99% escalator is not available in Massachusetts. Contact your account manager for escalator options available in your market.
Choosing an escalator
Choose the escalator that works best for your pricing and your client's payment preference. There is no specific escalator that Skylight pushes — select what works best for the customer.
Yes. In the near future, Skylight Lending will be offering a battery-only lease product for customers interested in adding battery storage without solar — including those interested in participating in Skylight's upcoming Virtual Power Plant (VPP) program.
More details will be shared as the program becomes available. Contact your account manager for updates.
✅ Applicant Eligibility
Skylight Lending welcomes applications from property owners who meet all of the following:
Minimum FICO score of 660
Minimum annual income of $50,000
At least one applicant must be listed on the property deed
Additional underwriting review
Skylight also reviews for other factors such as recent bankruptcies or major delinquencies. Meeting the minimum thresholds does not guarantee approval.
Yes. An application may include up to two co-applicants. Both co-applicants must individually meet the minimum FICO score of 660 — scores are not averaged between applicants.
At least one applicant must be listed on the property deed for the installation address.
If the property owner on record does not match the customer applying for the lease, a title or deed upload will be required before NTP can be issued. This is determined during the opportunity creation process in the portal.
For properties held in a trust, the trust document showing the applicant as trustee or beneficiary with authority to sign will be required.
📄 NTP & Required Documents
Always required:
Government-issued photo ID — front and back
Utility bill — no more than 60 days old, must show service address, account number, meter number, and kWh usage
Property / Structural Integrity photos — required for every lease
Required where applicable:
Property trust documents — if the property is held in a trust
Bank account verification — if underwriting cannot verify ACH information
Title or deed — if the property owner on record does not match the applicant
The utility bill must meet all of the following:
No more than 60 days old
Must show a minimum 30-day service/usage period
Must show the service address, account number, meter number, and recent monthly kWh usage
Must not show any past-due or late charges
Past-due bills will cause delays
If the utility bill shows a past-due balance, it will be rejected and a current bill will be required before NTP can be issued.
After uploading each document in the NTP checklist, you must click "Notify Lender" to alert Skylight Underwriting that the document is ready for review.
Do not skip this step
If you do not click "Notify Lender" after uploading, the document will not be reviewed and your NTP will be delayed. This step is required after every single document upload.
Normal underwriting processing time is 24 to 48 business hours after Notify Lender is clicked.
Every lease requires an add-on acknowledgement in the portal — this is not exclusive to add-on projects. If it is displayed during the NTP process, it must be completed before NTP can be issued.
For actual add-on systems (adding panels to an existing solar installation), the acknowledgement also confirms:
New engineering plans are in place
Separate commissioning will occur
A new PTO is required
Installation photos show a minimum 12-inch separation from the existing system
Add-on projects with existing battery
Add-on projects are not allowed if an existing battery is already present on the property.
Yes. If the lease is a Solar + Battery lease, Skylight Lending must have your battery certifications on file before NTP can be issued.
If your battery certifications have not already been submitted, email them to Installer Support: InstallerSupport@skylightlending.com. Failure to submit these certifications will delay NTP approval.
📞 Welcome Call
After the lease documents are signed, customers are required to complete a welcome call with Skylight Lending. This call verifies that the customer understands the terms of their lease agreement and is a required item on the NTP checklist.
NTP will not be issued until the welcome call is confirmed as completed.
The welcome call is completed by the customer through their Home Monitor portal. It is not completed by the installer.
If your customer needs guidance on completing the welcome call, refer them to the Video Welcome Calls article in the Help Center.
⚠️ Compliance & Strikes
A strike is a formal flag issued by Skylight Lending's compliance team when an installer or representative engages in conduct that violates program policies, misrepresents information, or places customers or the lending program at risk.
Strikes are reviewed case-by-case by the compliance team and may result in a formal warning, account suspension, deal-level action, or termination of the installer agreement.
Actions that may result in a strike include but are not limited to:
Use of invalid customer emails or co-applicants
Fraudulent credit, contract, or ACH activity
Submitting altered documentation or intent to deceive
Recheck ID sharing
Customer delinquencies or escalations
Trends of targeting vulnerable consumers
Immediate action possible
For the most serious violations — including fraud or intent to deceive — Skylight Lending may proceed directly to suspension or termination without prior notice.
If you receive a strike notice and believe it was issued in error, take the following steps:
Review the strike notice and note the specific violation cited
Gather any supporting documentation relevant to the transaction
Contact your account manager or email InstallerSupport@skylightlending.com as soon as possible
Do not submit new applications related to the flagged deal until the review is resolved
🕐 Hours of Operation & Holidays
The Installer Support team is available Monday through Friday, 8:00 AM – 5:00 PM CST. The office is closed on weekends and all observed holidays.
The Skylight Lending office will be closed on the following 2026 observed holidays:
New Year's Day — Thursday, January 1st
Memorial Day — Monday, May 25th
Independence Day (observance) — Friday, July 3rd *
Labor Day — Monday, September 7th
Thanksgiving Day — Thursday, November 26th
Day After Thanksgiving — Friday, November 27th
Christmas Eve — Thursday, December 24th
Christmas Day — Friday, December 25th
* Independence Day falls on Saturday July 4th. The observance is moved to the preceding Friday, July 3rd.
Normal underwriting processing time is 24 to 48 business hours. On observed holidays, the Installer Support and underwriting teams are unavailable, which means processing times will be extended around holiday dates.
Documents submitted the day before a holiday will begin review on the next available business day. Plan submissions early — especially around the Thanksgiving stretch (Nov 26–27) and the Christmas stretch (Dec 24–25) when the office is closed two consecutive days.
Didn't find your answer?
Browse the full Skylight Lending Help Center for step-by-step guides on creating lease opportunities, completing the NTP checklist, compliance policies, and more. Or reach out to the Installer Support team directly.