How Cloover Is Helping Energy Installers Finance Home Solar And Heat Pumps

Berlin-based Cloover builds software and financing tools for installers selling home energy systems such as solar panels, heat pumps, batteries, and EV chargers. On January 21, 2026, the company said it had secured a $22 million Series A equity round alongside a $1.2 billion debt facility to expand the platform across Europe.

Founded In Berlin To Build Home Energy Infrastructure

Cloover was founded in 2023 by Jodok Betschart, Peder Broms, and Valentin Gönczy. The company is headquartered in Berlin, Germany. In the company’s January 21, 2026 announcement, Betschart is identified as co-founder and CEO.

On its website, Cloover says it connects homeowners, installers, manufacturers, and energy suppliers through one platform focused on residential decentralized energy. The company’s source material places its activity in Europe. On February 23, 2026, Cloover said it had opened an office in Vienna, Austria, and in its January 2026 announcement it said it was considering further expansion in France, Italy, the UK, and Austria.

The latest financing package was announced in the company’s January 21, 2026 announcement. Cloover said it raised $22 million in Series A equity, led by MMC Ventures and QED Investors, with participation from Lowercarbon Capital, BNVT Capital, Bosch Ventures, Centrotec, and Earthshot Ventures. Separately, it secured a $1.2 billion debt facility from what it described as a leading European bank to fund customer and installer financing on the platform. Cloover also said a €300 million guarantee from the European Investment Fund supports those financing programs. In total, according to the company, Cloover has raised more than $30 million in equity and secured more than $1.3 billion in debt.

Manual Workflows And Limited Capital Slow Home Energy Installers

Cloover is targeting a practical bottleneck in Europe’s home energy market: many installations still depend on small and midsize installers that handle sales, financing, procurement, and project delivery with fragmented tools and manual processes.

According to the company, those installers also face limited access to capital. That matters because residential systems such as rooftop solar, batteries, and heat pumps often require upfront financing for households and working capital for the installer. Cloover argues that traditional banks are not set up to process large numbers of relatively small energy projects quickly, which can delay installations or make projects harder for households to afford.

Cloover Combines Workflow Software With Embedded Financing

Cloover’s product combines planning, procurement, financing, and energy management in one platform. In plain terms, it is software for installers to manage a home energy project from the first customer assessment through financing, contract signing, installation, payout, and later system optimization.

The company says installers use AI-based customer relationship management tools, data analysis, and project-financing features. For homeowners, Cloover says the platform offers digital applications for renewable energy systems as a bundled service. Supported project types listed on the website include solar systems, heat pumps, EV chargers, battery storage, air conditioners, and energy renovations.

The company says credit and identity checks take two minutes, financing can be offered in real time, and contracts can be signed digitally. In the January 2026 announcement, Cloover said its underwriting model evaluates expected long-term energy savings alongside traditional credit factors. It also said the platform pre-finances public subsidies so customers can access state incentives earlier. After installation, the company says it can continue with energy management through its software and dynamic tariffs.

Software And Financing Are Sold Through Installer Workflows

The source material shows that installers are Cloover’s main commercial customer group. They use the platform at the point of sale to offer financing, manage workflows, and improve liquidity, while Cloover also links in manufacturers, households, and investors.

That means Cloover’s business combines software with financing products embedded inside installer workflows. The January 2026 announcement says the debt facility is used to fund customer and installer financing on the platform. [NEEDS SOURCE: how Cloover prices its software and financing products].

Cloover Says Revenue Rose Sharply In 2025

Cloover publishes several operating figures and performance claims, all company-reported.

The company also said it remained profitable in 2025. For installer outcomes, Cloover’s website says users see 39% more revenue, 26% more customers, and 32% more efficiency. In the January 2026 announcement, the company separately said installer partners generate 30% incremental revenue on average by reaching customers they previously could not serve.

For homeowners, Cloover says financing approvals take two minutes and acceptance rates are above 90%. The company also said homeowners save between 20% and 30% on energy costs through optimized system performance and financing.

New Capital Is Earmarked For European Expansion

Cloover said the new capital will be used to enter additional European markets and to add more AI-driven workflow automation and financing products. The countries named by the company as under consideration were France, Italy, the UK, and Austria.

The company has also published growth targets. According to the January 2026 announcement, Cloover projected $500 million in sales for 2026 and $1 billion for 2027. For now, the clearest near-term direction in the source material is broader European expansion and a deeper product focus on financing and software for residential energy projects.