Phase A: The Operational Audit
The Infrastructure Wall
Following Mosaic’s 2025 Chapter 11 liquidation, high-volume EPCs reached a hard limit on their ability to close new business. This was not a sales failure, but a structural collapse of their financing partner. When a primary lender halts originations, the “Wait-and-See” approach results in lead aging and a significant drop in revenue. In 2026, Mosaic is a legacy servicing entity, not a growth partner.
Administrative Overhead: The Servicing Tax
Installers still managing legacy Mosaic portfolios in 2026 face significant margin erosion through administrative overhead:
- Manual Data Reconciliation: Teams are spending over 10 hours per week manually updating project data within Solar Servicing LLC (Forbright) portals that lack modern automation APIs.
- API Failure Points: Sales teams lose momentum when their proposal software attempts to call inactive Mosaic endpoints for credit decisions.
- Customer Friction: Homeowners often experience service delays as their accounts transition from Mosaic’s platform to the clinical, servicing-only environment of Forbright Bank.
The Gravity Metric™
Our audit identifies a delta in origination stability that requires an immediate shift for any EPC intending to maintain volume.
- Mosaic (Lumen Grade 5.8): Legacy presence, zero growth capability, high servicing friction.
- GoodLeap (Lumen Grade 8.0): Active, high-velocity credit engine with established 2026 liquidity rails.
The Problem: Managing Defunct Infrastructure
You did not build a solar company to manage a defunct debt portfolio. If your back-office staff is manually uploading PDFs to a servicing bank because your old finance partner’s API was decommissioned, you are paying an “Administrative Tax” that stalls your 2026 growth. If your internal staffing costs are rising while your install volume remains flat, you are wasting capital on legacy maintenance instead of new acquisitions.
Why GoodLeap is the Standard for 2026 Volume
Mosaic is now a servicing tool; GoodLeap is a production tool. Transitioning to GoodLeap allows an EPC to restore their growth infrastructure with a partner capable of funding projects in the current economic environment. This is a move from defensive management of old assets to offensive acquisition of new ones.
The Strategic Shift: Siloing the Legacy
The objective of this migration is to isolate your Mosaic portfolio into an automated, read-only track. This allows you to return your full operational focus to active originations. By moving to GoodLeap, you utilize a capital stack optimized for 2026 market conditions (including NEM 3.0 and storage-heavy projects) to protect your future margins.
Phase B: The Technical Transition
Replacing the Financial Core
The migration to GoodLeap replaces servicing-only friction with origination velocity. GoodLeap becomes the primary source of truth for new credit decisions, integrating directly into your design tools (Aurora/Solargraf) to provide signature-ready financing in under 30 seconds.
System Compatibility: The Lumen Interconnect Check
GoodLeap serves as the bridge between sales conversion and operational cash flow.
- Aurora Solar: Native (Bi-directional) — Replace the inactive Mosaic design-sync with GoodLeap’s ROI modeling engine.
- Solo: Native (Bi-directional) — Merges design, financing, and e-signing into a single, high-speed closing flow.
- Solar Servicing LLC: Audit-Only — Provides a read-only reporting layer for existing Mosaic project reconciliation.
Margin Protection
A primary benefit of this transition is automated milestone funding. Unlike the manual document requirements of legacy banks, GoodLeap uses API triggers tied to permit approvals to release project funding the moment work is authorized by the AHJ.
Phase C: The 90-Day Migration Protocol
The Institutional Rollout
Phase 0: Portfolio Silo (Days 1–14)
- Action: Identify every project in the “Mosaic Gap”—those signed but not funded prior to the 2025 liquidation.
- Step: Export all historical Mosaic metadata to a secure, read-only folder in your CRM for legacy auditing.
Phase 1: Technical Integration (Days 15–45)
- Action: Execute the API sync between your primary design core (Aurora/Solo) and GoodLeap.
- Step: Verify that all new credit pulls are hitting the GoodLeap endpoint and that legacy Mosaic calls are deactivated.
Phase 2: Operational Cut-Over (Days 46–70)
- Action: Train the sales team on GoodLeap’s 2026 products, specifically those optimized for storage and V2H.
- Step: GO-LIVE (Week 10). Remove all legacy finance options from the field sales portals to prevent administrative errors.
Phase 3: Review & Optimization (Days 71–90)
- Action: Finalize the automated reporting path for the legacy Mosaic portfolio to Solar Servicing LLC.
- Step: Redirect the administrative hours previously spent on Mosaic reconciliation into new lead acquisition strategies.
The Bottom Line
Migrating from Mosaic to GoodLeap is a move from institutional maintenance to institutional growth. By silo-ing legacy servicing requirements and deploying an active, API-driven lending core, you ensure your firm is not tethered to the constraints of the previous debt cycle. You are protecting your future by selecting the only lender currently capable of operating at ecosystem velocity.