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Thrive: Products, Program Details & Application Flow

Overview of Thrive financing in Enerflo, including available PPA products, states served, approved equipment, site requirements, and the full application flow (including automatic voiding of superseded Docflo packages).

Written by Enerflo Support

Adding Your License Number

Before using Thrive, make sure your license number is configured correctly. Missing or incorrect license numbers will cause errors when creating proposals with Thrive as the lender.

  1. Click your name in the top right corner and select My Account.

  2. Open the Licenses tab and click Add New.

  3. Select the state your license is valid in, enter the license number and expiration date, and click Save.

For full details on managing license information, including admin workflows and permissions, see Managing License Information.

Available Products

Thrive offers two PPA structures:

  • Monthly PPA — standard monthly payment with an escalator rate. The customer pays a fixed rate per kWh produced, with payments increasing at the agreed escalator annually.

  • Prepaid PPA — the customer pays upfront for the full term of the agreement. Pricing caps are state-specific and applied automatically when pricing is calculated in Enerflo. Terms: PV only is 20 years, storage only is 10 years, and PV + storage is 20 years (two contracts combined: PV for 20 years and storage for 10 years).

States Available

Thrive Prepaid PPA is currently available in Texas.

Deal Requirements

  • The customer's utility bill must be uploaded at point of sale

  • The customer and any additional deal contacts on the deal (such as a co-signer or trustee) must each have a phone number on file. This is checked before the proposal can be finalized, and again before financing documents are generated.

  • All Thrive projects must be sold with domestic content eligible equipment only

  • Thrive will finance ground mounts, but they do not qualify for the Domestic Content Adder

  • Thrive will finance add-on batteries to existing systems

  • Thrive will finance expansions to existing systems as well as second systems

  • Single family homes up to a 4-plex are permissible

  • Pool financing: Thrive's PPA does not permit the system's energy to be used for heating a swimming pool. Swimming pool load may be excluded when sizing the system.

  • Reverse tilted modules are not permitted

  • Thrive can't be selected as a financing option for customers served by certain utilities. If Thrive isn't available on a proposal, the customer's utility may not be eligible.

Approved Equipment (AVL)

All equipment must be domestic content eligible. The current AVL can be found here.

Application Flow

Follow these steps to complete a Thrive deal in Enerflo:

  1. Create the deal — Enter the customer's contact information and project address.

  2. Title Check — Required for all Thrive deals except projects in Puerto Rico. Verifies the customer's name matches the title of the home.
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    Land use confirmation: If the Title Check returns a land use type that is not on Thrive's approved list, you will be prompted to confirm the land use before the stage can be completed. This is a required step — the financing stage will not be accessible until confirmation is recorded.
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    If the home is held in a trust, the trust must be added as a co-signer in the financing stage.
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    Note: Title Check is not available for Puerto Rico addresses. For PR deals, skip this step and proceed directly to Consumption Profile.

  3. Consumption Profile — Select the utility, pre and post-solar rate schedules, and fill in usage. Upload the utility bill before moving on — it is required for project submission.

  4. Design — Create a design using one of Enerflo's integrated tools or a manual design of your choice.

  5. Proposal — Select your design and adders, choose Thrive as the financier, and select the financing product. View the policy map to determine if the project is in an energy community and indicate yes or no. Select an escalator rate. Click Save and Update Pricing to confirm.
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    If any rebates have been added to the deal and marked with a Rebate Mapped Value, Thrive will factor those rebates into the pricing calculation automatically. No additional action is needed.

  6. Financing — If a co-signer is needed (e.g., property held in a trust), select Add Co-Signer, enter the contact's details, and click Save. Select whether the monitoring gateway will connect to the internet using Wi-Fi or cellular data; this is sent to Thrive with the application. Click Generate Documents. The homeowner will receive an email to sign financing documents through Docflo. The financing stage updates automatically once documents are signed.

Note: If more than one version of the financing document package is generated for a Thrive deal, the older package(s) are automatically voided as each new one is sent. This prevents the customer from accidentally signing an outdated version. Always have the customer sign the most recently sent package. The customer automatically receives a confirmation email once they've signed, and a separate email if an earlier package is voided because a newer version was sent — no rep action is required for either.

  1. Welcome Call — Record the call. Click Start, read through each question with the homeowner, mark them off as you go, and click Confirm when complete.

  2. Contracting — Send the homeowner the install agreement and any other required forms. The stage updates once everything is signed.

  3. Thrive Requirements — Upload a photo of the homeowner's driver's license and the welcome call recording.

  4. Project Submission — Final verification that all required documentation is complete. When all checkboxes display green, click Submit Project.

Unfinalize Restrictions: To protect signed financing documents, Enerflo blocks the Unfinalize action on Thrive deals once the project reaches milestone M1 (Installation). Before M1, proposals can be unfinalized normally.

Change Order Process

Any updates to a Thrive project — a design change, pricing change, or contact information change — must be submitted as a change order through Enerflo before M1 (Installation). To submit a change order:

  1. Navigate to the Proposal stage of the deal and unfinalize the proposal by clicking the unlock button.

  2. Make the required changes to the project information or the design (unlock the Aurora design, then make the updates).

  3. Make any other necessary changes on the proposal edit screen to pricing, then re-finalize the proposal.

  4. Resend the PPA documents to the customer(s). Once those are signed and a new welcome call has been conducted and uploaded, you can re-submit the project.

Which changes require a new customer signature? The following changes will void previously signed PPA documents and require the homeowner to sign an updated agreement. The triggers depend on the product.

Monthly PPA

  • System size change exceeds ±5% of the previously financed system size

  • Battery count or capacity change

  • Signer or co-signer contact information is changed

  • Monthly payment, TPO rate, or escalator changes

  • Customer language preference updates

Prepaid PPA

  • System size change exceeds ±5% of the previously financed system size

  • Battery count or capacity change

  • Land use, trust, or LLC information changes

  • Discount % (PV or Storage) or Prepayment Amount (PV or Storage) changes

All other changes will not require the customer to sign new documents.

💡 Note: Once a project has reached M1 (Installation), it can no longer be unfinalized directly — contact Enerflo Support for help after that stage.

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