My solar company went out of business. What now?

Installer and lender bankruptcies have left many solar owners without a company to call. Here's what still applies, what you may lose and how to keep your system running.

By the IL Solar Deals Editorial Team · Updated October 2026 · How we research

Quick answer

Keep paying your loan, lease or PPA: a bankruptcy doesn't cancel it, and the account usually moves to a new servicer. Panel, inverter and battery warranties come from their manufacturers and usually survive; the installer's workmanship warranty usually doesn't. Any qualified installer can service the system, and Illinois Shines helps homeowners whose projects were left unfinished.

Which solar companies have gone under recently?

  • SunPower filed for bankruptcy in August 2024. Complete Solaria bought the brand, and SunStrong Management took over existing leases and the monitoring app.
  • Mosaic, a large solar lender, filed in June 2025; its loans moved to Solar Servicing LLC, and borrowers were told payment terms wouldn't change.
  • Sunnova filed in June 2025, and its core operations moved to SunStrong Management in September 2025.
  • Freedom Forever, a national installer, filed for Chapter 11 in April 2026 and converted to a Chapter 7 liquidation on August 7, 2026.

Whatever company you used, the steps below are the same.

Do I still have to pay my solar loan or lease?

Yes. An installer's bankruptcy doesn't end your obligation to keep making payments. If you financed through the installer, another company will likely take over the loan, and a lease or PPA is usually sold to a successor that you then pay. Watch for transfer notices and keep records of every payment.

If the installer arranged your loan and failed to finish the work, federal consumer rules may let you raise some of those problems with the lender. That's a question for a consumer attorney.

What happens to my warranties?

Equipment warranties usually survive because they come from the manufacturers of the panels, inverters and batteries, not the installer. The installer's workmanship warranty, which covers labor, wiring and roof penetrations, usually doesn't. Find your installation agreement, list who made each component, and file any claims directly with each manufacturer. See solar warranties explained.

If you sell the house, check each manufacturer's transfer rules. Enphase, for example, requires a change-of-ownership form and a fee to move the warranty and app access to the new owner.

How do I keep monitoring my system?

If the installer's dashboard goes dark, use the equipment maker's own app or a third-party monitor. For former SunPower systems, SunStrong Connect keeps basic real-time monitoring free, offers a Premium tier for $99.99 a year, and gives lease customers Premium at no charge. SunStrong says it doesn't provide repairs for customers who bought their systems from SunPower.

Watch production month to month. See solar producing less than expected.

Who can service my system now?

Any qualified installer can work on it. Many local installers take on orphaned systems for a one-time repair or under a paid service plan, and equipment makers can point you to certified service companies. Ask whether non-certified work affects your warranty, and get a written quote before any repair.

If your project was never finished, Illinois Shines treats you as a stranded customer: its Program Administrator keeps a shortlist of experienced vendors willing to take over projects and tracks registered homeowners until they're matched. You can also file a complaint with the Illinois Shines Consumer Complaint Center.

Can I get my deposit back from a bankrupt solar company?

Possibly, but don't count on much. You'd file a proof of claim in the bankruptcy case by its deadline; for Freedom Forever, the customer deadline was October 16, 2026. Customer deposits get some priority, up to $3,800 for cases filed since April 2025, but unsecured creditors often recover little or nothing.

Should I add a battery to an orphaned solar system?

It can be a good time, because a new installer will inspect the system anyway. ComEd and Ameren pay about $300 per kWh toward a battery, and a battery can keep your home running in outages. See adding a battery to existing solar. To avoid a repeat, check any new company's track record: see how to choose a solar installer.

Sources

  1. NerdWallet: What happens if your solar company goes bankrupt
  2. Solar Power World: What homeowners should do after Freedom Forever filed for bankruptcy (June 2026)
  3. pv magazine USA: Freedom Forever bankruptcy converted to Chapter 7 (Sept. 2026)
  4. pv magazine USA: Bankrupt solar loan provider Mosaic is acquired (Sept. 2025)
  5. Solar Power World: Court approves sale of Sunnova (Aug. 2025)
  6. SunStrong Management: SunStrong Connect
  7. SunStrong Management: SunPower support
  8. EnergySage: What happens to your warranty if your solar company goes out of business
  9. Enphase Energy: IQ8 microinverters launch with a 25-year warranty
  10. Illinois Shines: Stranded customer resources
  11. Illinois Shines: 2025 annual consumer complaints and disciplinary actions report
  12. Federal Register: Adjusted bankruptcy dollar amounts (Feb. 2025)
  13. ComEd: Distributed generation and storage rebates

This guide is general information, not tax, legal or financial advice. Incentive programs change, so confirm current terms with your installer, your utility and a tax professional.

Frequently asked questions

Do I have to keep paying my solar loan if the installer went bankrupt?

Yes. The loan, lease or PPA is a separate contract that usually moves to a new servicer. Keep paying and watch for transfer notices; stopping can damage your credit.

Is my solar warranty still good if my installer went out of business?

The manufacturers' equipment warranties on panels, inverters and batteries usually are. The installer's workmanship warranty usually isn't, so repairs to wiring or roof penetrations may cost you.

Who services SunPower systems now?

SunStrong Management took over SunPower's leases and monitoring app, but says it doesn't repair systems that owners bought outright. Owners can hire a local installer and file equipment claims with each manufacturer.

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