Solar finance originator
Origination end to end, from quote to lender offer.
ArkFlow is solar finance origination software for South Africa. Proposal, application, document pack, underwriting and prequalification, then a packaged submission to the banks, with offers coming back to the same deal.
Free to start. No card required.
How origination runs, stage by stage.
Each stage produces exactly what the next one needs. Nothing is retyped between the proposal and the bank.
Financial proposal
A solar quote becomes a bankable financial proposal with asset finance, rental, rent-to-own, subscription and PPA priced side by side. The client accepts a structure, not a sales pitch.
See the proposal generator →Guided application
A stage-by-stage client application instead of a wall of empty fields. The client is prompted for exactly what the deal needs, under your brand throughout.
The document pack reads itself
Around 70 document types are read and verified automatically: company registrations, bank statements, financials, bills. Fields fill themselves in with confidence scoring, and the client confirms anything the scan is unsure about.
Underwriting and prequalification
Affordability, credit scorecard and KYC screening, with bank statement and financial statement analysis and a debt-service read on commercial deals. Weak applications are caught before a lender ever sees them.
Lender packaging and submission
The deal is packaged into the format a credit team expects and submitted to every lender the client chooses at once, not one at a time by email.
Where the deal can go →Offers come back to the deal
Offers land against the deal with a lender portal view and a per-deal share link. The client compares and selects, a contract is drafted, and the first milestone payment is released.
Time to offers
Weeks, cut to an afternoon.
The pack is built the same day and goes to every chosen lender at once. The lenders’ turnaround still runs, but in parallel, not one after the other.
The old way
- Documents lying everywhere: inboxes, WhatsApp, a memory stick
- The deal goes to the lender untested, and bounces back
- Weeks of silence, then a request for one more document
- Every lender conversation on a different channel
With ArkFlow
- Every document in one vault, packaged into a lender-ready summary report and sent to all your chosen lenders at once
- Prequalification pre-vets the deal first: see upfront whether it is likely to fly or needs strengthening
- Missing paperwork is flagged before submission, not after
- All communications in one organised thread per deal
The old way
~15 to 21 days · per finance option
- 1.Documents arrive in drips and drabsday 2 to 3
- 2.Back-and-forth to get them rightday 4 to 7
- 3.Lender asks for more, two or three roundsday 8 to 13
- 4.Waiting on financial vettingday 11 to 17
- 5.Strengthening documents, then the re-waitday 14 to 21
And if the client turns down that finance type (“actually, not asset finance”), you re-quote and the lender wait starts again. One lender at a time, every time.
With ArkFlow
an afternoon to ~3 business days
Prep the deal: an afternoon · Offers back: ~1 to 3 business days. One pack to every chosen lender at once. The wait runs in parallel, not lender by lender.
- Deal strength visible immediately
- Stronger documents asked for while the customer is in front of you
- Every finance option priced side by side upfront, no re-quote loop
- One pack to all your chosen lenders, simultaneously
An afternoon to three business days, not three weeks.
Where the deal goes
The client’s bank, your lenders, or the panel.
A packaged deal takes whichever route the client chooses, and the same pack works for all three.
The client’s own bank
Apply to the bank the client already trusts — with a stronger pack.
Your own lenders
Keep the relationships you have. No deal fee on deals funded outside the panel.
The ArkFlow panel
A network of lenders, open to every deal. All three routes can stay open on the same deal.
Asset finance
Own the system outright, usually the lowest total cost of ownership.
Available through lenders on the ArkFlow panel
Asset finance
Bond add-on
Added to your home loan, so it prices at home-loan rates.
Available through lenders on the ArkFlow panel
Bond add-on
Instalment sale
Pay the system off in instalments and own it at the end.
Available through lenders on the ArkFlow panel
Instalment sale
Rental
A fixed monthly rental with nothing paid upfront.
Available through lenders on the ArkFlow panel
Rental
Operating lease
Use the system while the funder owns it and carries it.
Available through lenders on the ArkFlow panel
Operating lease
Subscription
One monthly fee with insurance and maintenance bundled in.
Available through lenders on the ArkFlow panel
Subscription
PPA
Pay only for the power the system actually produces.
Available through lenders on the ArkFlow panel
PPA
Section 12B funds
Fund structures built around the renewable-energy tax allowance.
Available through lenders on the ArkFlow panel
Section 12B funds
Agri & development finance
Dedicated lines for farms and development projects.
Available through lenders on the ArkFlow panel
Agri & development finance
Shariah-compliant
Shariah-compliant structures for residential and commercial solar.
Available through lenders on the ArkFlow panel
Shariah-compliant
19 banks and specialist funders sit behind these: every instrument covered, one application pack.
Sign up to see the lender networkWhy EPCs originate on ArkFlow.
One application, many funders
The client applies once and the packaged deal can be tested against several funding routes, instead of one bank at a time by email.
You stay the originator
Every client-facing page carries your brand. You originate the deal and keep the relationship; ArkFlow is the software underneath, never the broker in between.
Free until a deal funds
Proposals, the application, prequalification and lender submission cost nothing. A 1% finance origination fee applies only where a deal funds through the ArkFlow lender panel, carried as a stated line in the BOQ.
Full fee detail is on Pricing. Who ArkFlow is and the commitments behind every deal are on About.
The proposal generator
A quote in, a bankable proposal out.
01
Start from the quote you have
Submit the supplier quote for the deal. It becomes a priced project the platform can finance — no line items retyped.
02
Every structure priced side by side
Asset finance, rental, rent-to-own, PPA, subscription and mortgage add-on priced against the same project cost in one view.
03
Share a live link or a PDF
Send a shareable client view or a branded proposal PDF. Issued proposals are versioned snapshots, so what the client saw never silently changes.
04
The client accepts into the application
Acceptance flows straight into the guided finance application: documents read themselves, the deal prequalifies, and it packages for lenders without re-keying a number.
- Section 12B tax position estimated alongside the instalment
- Prequalification and underwriting screening behind every proposal
- Client story view for the decision maker, full workbench for the analyst
- White-label on every page and PDF, at no extra cost
Answers
Solar finance origination FAQs
What is a solar proposal generator?
Software that turns a solar quote into a client-ready finance proposal automatically. ArkFlow prices asset finance, rental, rent-to-own, PPA, subscription and mortgage add-on against the same project cost, and the accepted proposal flows straight into the application.
Can I white-label the proposals?
Yes, at no extra cost. Your logo, name and palette appear on the proposal PDF, the shareable client view and every client-facing page.
What is a solar finance originator?
A solar finance originator turns a solar quote into a fundable deal and connects it to a lender. That means packaging the client, the equipment and the supporting documents into one application, prequalifying it, and submitting it to banks or specialist funders so the client can compare offers. ArkFlow is origination software that runs that whole flow for South African EPCs and installers.
What does solar finance origination software do?
Solar finance origination software runs the deal from proposal to lender offer in one system. On ArkFlow that is an indicative proposal with every structure priced, a guided client application, a document pack that reads itself, affordability, credit scorecard and KYC screening, and a packaged submission to the bank, with offers coming back against the deal.
How does prequalification work?
Prequalification screens the deal before any lender sees it. ArkFlow runs affordability, a credit scorecard and KYC screening, analyses bank statements and financial statements, and produces a prequalification report, so an application reaches a credit team complete and coherent rather than bouncing back for missing information.
What does origination cost an EPC?
Nothing to start. The owner account is free forever with proposals, the client application and lender submission included, and no card is required. Where a deal funds through the ArkFlow lender panel, a 1% finance origination fee is carried as a stated line in the BOQ and invoiced pro-rata as the lender releases each payment. Deals funded through your own lenders carry no deal fee.
Can I use my own lenders instead of the ArkFlow panel?
Yes. Every deal can be routed to the client’s own bank, to lenders you already work with, or to the ArkFlow panel, and you can keep all three routes open on the same deal. Deals funded outside the panel carry no success fee.
Read the full guide: What is a solar finance originator?
Originate your next deal here.
Free to start, with the whole origination flow included. You pay a success fee only when a deal funds through the panel.