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Energy Backup: Running Credit, Signing, & NTP

Updated over 2 weeks ago

Overview

There are four basic steps to qualifying a homeowner and completing a new sale.

  1. Homeowner and system information is input (via palmetto.finance)

  2. Qualifying via credit check

  3. Homeowner Web Portal Account Invite + Contract Docusign are sent

  4. Documents signed & stipulations cleared

  5. All homeowners must create an account in order to clear stipulations​

Qualification

The Qualification milestone lays the groundwork for a successful project. They cover the basic customer and system details. Accuracy at this stage prevent delays later in the process.

Requirements Include:

  • Customer information

  • System design details

  • Completed quote

  • Credit check

Processing a Credit Check & Signing

Performing a credit check and signing via the LightReach finance portal is quick and simple, requiring basic information from the customer.

Click Here for a step-by-step for running credit & sending contracts via our finance portal.

1. Create the customer's account:

2. Ensure Customer and Property Info is correct:

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3. Go to the 'System Design' tab to enter the battery details:

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4. Ensure the System Design details and pricing are accurate. Once confirmed, click 'Save & Get Pricing':


5. Run Credit: Click "+ Application" to submit a credit application:

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Last 4 digits of SSN required, full social recommended for best results. Some applications may not return a result without full social.

  • Note that ITINs are not accepted in place of social and may result in an error.

  • Double check homeowner email for accuracy

  • Allow homeowner to review and affirm the disclosure

  • Run a credit check or send the credit application to the homeowner

  • Maximum credit check rate limit of 6 on all accounts

*Credit applications can be emailed to the customer directly.

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6. When ready, SEND the Contract

  • Contracts are sent to the homeowner's email via docusign

  • Docusign subject (may vary): "Power Purchase Agreement - XYState"

  • Alternate signing option: Homeowners can sign the contract within their online account.

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7. Simultaneously, the homeowner is sent an ACCOUNT/APP Login Prompt via Email

  • All homeowners must create an account in order to clear stipulations

  • Homeowner portal link: https://home.palmetto.com/.

  • Account is accessible via web browser, mobile browser, or mobile app

  • Instant Account Setup via Email Invite. Subject Line: "Welcome to LightReach!"
    ​

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8. Homeowner clears stipulations

  • Stipulations are cleared fastest when the homeowner completes them via their account. Steps can be found below.

Notice to Proceed

Notice to Proceed (NTP) is synonymous with a fully signed & executed order. It is LightReach's signal to the contractor that the contract package is fully executed, and the Installer has the go ahead to proceed with installation.

Click here for NTP Requirements

Item

Requirement

ID

All homeowners must complete identity verification. The homeowner web portal (home.palmetto.com) is the secure option to upload the ID for auto verification

  • Driver's license or other state issued ID card

  • Passport or passport card

  • Resident permit ID or green card

Click for visual

Title

All homeowners must complete title verification. Most accounts will auto verify but if necessary, homeowner may be prompted to upload title verification documents through their home.palmetto.com web portal.

Acceptable documents:

  • Original deed or deed of trust

  • Most recent tax property bill

  • Mortgage statement less than 60 days old

For Properties owned in a Trust/LLC:

  • Applicant must be a trustee/controlling member/owner.

  • Trust documents (or other official documentation) must be submitted confirming trustee/controlling member status.

Site Eligibility details

Click here to check our full Eligible Sites article

Customer Account

Sign Up

Homeowner accepts their home.palmetto.com web portal account invitation, where they can complete all requirements.

  • Accessible via web browser or via app download).

  • Sign Up invitation sent at same time as contract

  • Email Subject Line: "Welcome to LightReach! Activate your financing"

Click for Visual

Contract

The LightReach contract is sent to the homeowners email via DocuSign

  • Alternate signing option: Homeowners can sign the contract within their home.palmetto.com account

  • DocuSign Email Subject Line (may vary slightly by state):

    • "LightReach Lease Agreement - XYZState"

Click for Visual

Clear Facts Disclosure

(Agreement

Confirmation)

A simple, non-invasive order summary.

Homeowner 'checks' key details of their Energy Plan and 'signs off' on their order details. This feature helps recap key order details and reinforces the sale. Completed in a matter of seconds.

  • After completion, a copy is emailed to the customer

Click for Visual

Customer Payment Method

All homeowners must complete ACH. The homeowner web portal is the secure option to upload the banking information

  • Key in routing and account number

  • Instant verification on majority of accounts

  • Voided check verification, if necessary, on minority of accounts

    • Voided check must be from bank and be associated with the customer/home

    • A bank statement may be uploaded in place of the voided check to verify routing and account number entered

Click for Visual

Sales Rep Recheck Verification

Recheck verification required for all sales reps.

  • All sales reps must verify at recheck.co/signup

  • Sales rep will be sent an email automatically at point of sale, prompting them to login to Recheck.

  • Login is required only once - Recheck verification is saved for all future sales thereafter.

Click for Visual

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