Green Sky is Bienestar’s primary loan option. Good rates, multiple plan options, fast funding.

Say you sell a deal on the 6.99% / 60-month plan, which has a 9.75% dealer fee. You priced the deal at $20,000 and want to keep your full commission.

Without adjusting:

• Dealer fee = 9.75% × $20,000 = $1,950 deducted from your side
• Your effective margin shrinks by $1,950

To preserve full margin, add the dealer fee percent to your sticker price:

• New sticker = $20,000 × 1.0975 = $21,950
• Dealer fee on new sticker = 9.75% × $21,950 = $2,140
• Net to you = $21,950 − $2,140 = $19,810

Effectively the same as selling at $20K with no dealer fee. Always add the dealer fee percent to your sticker before quoting the homeowner. Forgetting this is the #1 way consultants quietly lose commission on Green Sky deals.

The two 0% dealer fee options are the best for consultant margin, but the homeowner needs to be pre-qualified since the actual APR depends on credit.

For the 0% dealer fee plan (9.99–22.99% APR) and the 4.75% dealer fee plan (7.99–19.99% APR):

• Rate depends on the homeowner’s credit
• Get them pre-qualified before quoting on these plans
• Otherwise the APR could come back higher than expected

1. Sales appointment — discuss loan as the option
2. Submit application via Green Sky portal
3. Fast approval
4. Funding fast (typically within days)

• Homeowner has decent credit
• Larger deal where loan terms matter more than service bundling
• Homeowner doesn’t qualify for NYSERDA (or job is non-decommissioning)
• You want flexibility to match the right plan to the homeowner

• Homeowner doesn’t want credit hit → Lease
• Homeowner is “I’ll pay cash but no interest” → Synchrony 0% / 25 mo
• Decommissioning + low credit + smaller deal → NYSERDA / EFS
• Need to fill a $2K–$4K gap on top of another loan → Wisetack