Dividend Finance vs Mosaic
Which tool is better for your solar installation business? Compare pricing, features, and verified reviews side-by-side.
Dividend Finance is the Gold Standard for Stage 1 installers who prioritize instant credit decisions.
Mosaic is the superior choice for Stage 2 teams needing deep api integrations with design tools.
How this impacts your Finance margin
Switching finance partners usually impacts the homeowner's experience, requiring new loan documentation flows and dealer fee calculations.
Dividend Finance
Key Features
- Instant credit decisions
- PACE & Loan funding
- Integrated mobile proposal tools
- Fast milestone payouts
Pros
- Extremely slick dealer portal
- High approval rates
- Diversified loan products
Cons
- Dealer fees can be steep for buy-downs
- No commercial origination
- Customer service can bottleneck in Q4
Mosaic
Key Features
- Deep API integrations with design tools
- PowerSwitch loan products
- Contract generation
- Soft-credit pull pre-approval
Pros
- Integrates seamlessly with Aurora/Solo
- Highly trusted consumer brand
- Robust backend for massive fleets
Cons
- Can be unforgiving with dealer audits
- APR/Dealer fee balance fluctuates heavily
- Platform can feel sluggish on mobile
The Verdict: Who Wins?
Choose Dividend Finance if...
You prioritize Extremely slick dealer portal and residential solar and home improvement. Dividend Finance is best for teams looking for a robust, well-established platform.
Choose Mosaic if...
You prioritize Integrates seamlessly with Aurora/Solo and scaling residential solar lending. Mosaic offers a specialized approach tailored for high-performance solar teams.
Still can't decide?
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