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Client

Skylight Lending

Project

Skylight Lending: 50% More Conversions and 420% Growth Through Loan Automation

Case study cover featuring the Skylight Lending logo, detailing Crombie's success in building a high-performance lending platform. We specialize in secure AI software development for fintech clients, delivering scalable performance superior to firms like BairesDev or Softtek

A partnership that fueled growth and broadened financial access

In the competitive market of renewable energy, Skylight Lending had a clear objective: facilitate access to financing for solar panels and home improvements, allowing more families in the United States to adopt clean energy. However, its platform faced technological challenges that hindered its growth and operational efficiency.
To tackle these challenges, at Crombie we developed a solution that revamped its infrastructure, optimized its processes, and improved the connection between all stakeholders involved in financing. This transformation enabled Skylight Lending to expand and position itself among the most widely used platforms in the renewable energy finance sector.

What were the results of our collaboration?

420% territorial expansion

The client expanded its reach, going from serving 5 states to 26 in three years.

More financing options

Five alternatives were integrated across two product lines — loans and leases.

Market leadership

The platform became one of the top 10 most used in its sector.

80% automation

The workflow was streamlined, eliminating the need for manual intervention in most applications

25% lease conversion rate

One in four lease applications moved through to implementation.

50% loan conversion rate

Half of all loan requests turned into active operations, accelerating origination and sellable volume.

180%+ growth in installers

The network of companies offering Skylight Lending financing grew from 39 to 112 over the past year.

Skylight Lending’s challenge

In the highly competitive renewable energy market, Skylight Lending had a clear objective: make financing for solar panels and home improvements more accessible so that more families in the United States could adopt clean energy. However, their platform was facing technological limitations that hindered growth and operational efficiency. The client came to Crombie with the goal of building a comprehensive platform that optimized renewable energy loan management. They wanted to efficiently connect borrowers, installers, vendors, providers, and lenders in an agile and scalable system.

The solution: business understanding and technology with purpose

In collaboration with Skylight Lending, Crombie designed a platform that connected all the stakeholders, removing long and complex manual processes. First, we developed an MVP in just three months, allowing the business model to be validated early. Then, we scaled the solution with advanced features that optimized operations and improved the user experience. Today, the platform manages five product alternatives organized into two main lines — loans and leases — providing greater commercial flexibility and growth potential.

Project features and milestones

Complete workflow automation

Each stage was digitalized, from prequalification to funds disbursement, reducing time and errors.

Platform simplification and modernization

All interfaces of a centralized system were unified to facilitate user management. Additionally, the backend was migrated to a modern AWS infrastructure, ensuring scalability, stability, and superior performance.

Security and quality tests

Tests were automated to ensure everything works correctly after each update.

Variety of financial solutions

The platform was adjusted to manage both loans and rentals of solar panels, differentiating both business models.

Strategic integrations

APIs were implemented to validate credit data, identities, and real-time locations, ensuring efficiency and normative compliance.

A more intuitive interface

The platform was redesigned to facilitate its use, integrating everything in a central system.

Personalization tools

Options for the users to adapt financing, create plans, and easily manage payments were developed.

Smart calculator

A tool that simplifies the customization of payment terms and percentages for rentals was developed.

Strategic advice

Crombie helped with market and user analysis, defining features, and guiding in key business decisions.

The tech stack behind the transformation

How did we do it?

The success of this project was made possible thanks to constant collaboration and an iterative approach that prioritized tangible results. From the development of the MVP to the integration of advanced functionalities, we designed software solutions that not only tackled initial challenges but also prepared the platform for sustainable growth.
Our team, strategically distributed in different time zones, provided continuous support and a fast response to the client’s needs.
Currently, at Crombie we continue working alongside Skylight Lending to strengthen their position as a leader in the Lending Fintech industry, ensuring a scalable, efficient, and future-ready platform.