San Antonio & Bexar County, Texas
San Antonio homeowners finance rooftop solar through more than one lender, and Bennett Legal reviews loan disputes involving either one: GoodLeap loans are common across the city, and Sunlight Financial (through Cross River Bank) financing is concentrated in specific neighborhoods, including Converse, where public UCC-1 filings show roughly 972 active residential solar liens — the second-highest concentration in the San Antonio area.
Bexar County was among the five Texas counties with the highest total number of residential solar complaints reported to the Texas Attorney General, according to a Texas Appleseed analysis. If your installer disappeared, your system never received CPS Energy's approval, or the promised savings never appeared, the loan and the underlying sale may need to be reviewed together.
Free review. No obligation. English and Spanish consultations available.
Source: Texas Appleseed analysis of Texas Attorney General complaint data, Dimming the Benefits of Residential Solar in Texas; public Texas UCC-1 financing statements.
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Both. San Antonio has a significant concentration of both GoodLeap and Sunlight Financial (Cross River Bank) financed systems, and Bennett Legal reviews solar loan disputes involving either lender — the underlying problems (misleading sales promises, unfinished systems, disputed signatures) tend to look similar regardless of which company financed the loan.
More detailGenerally, no. Sunlight Financial and affiliated companies filed Chapter 11 in October 2023, and the restructuring became effective in December 2023 with the company emerging under new ownership. That corporate process did not automatically cancel existing consumer loans — a homeowner can still receive loan statements even when the installer that sold or installed the system is no longer around to help.
More detailA solar loan payment does not replace a CPS Energy bill. CPS Energy is San Antonio's city-owned utility and handles both electric service and distributed-generation interconnection separately from the loan; if a system underperforms or was never fully approved, a homeowner can end up paying both a loan payment and a largely unchanged CPS Energy bill.
More detailIt can. Which language the sale was conducted in, whether the financing terms were explained, and whether a complete and understood copy was provided are all relevant facts in evaluating a solar financing dispute.
More detailIs this you?
San Antonio's solar market runs on two main financing patterns, and the homeowner-facing problems look similar either way. Find the one that matches your situation.
If your loan is with GoodLeap
You financed through GoodLeap and the system never performed as promised
The sales proposal promised a specific level of savings or production, and your actual CPS Energy bills don't match it.
The installer that sold you the GoodLeap loan is gone
A closed or unresponsive installer doesn't cancel the loan — GoodLeap can still hold you to the payment schedule.
You're not sure the system ever got CPS Energy's sign-off
If nobody can produce the interconnection approval, that's worth confirming before assuming the system was ever properly authorized.
If your loan is with Sunlight Financial / Cross River Bank
Your loan is with Sunlight Financial or Cross River Bank
Sunlight's 2023 bankruptcy restructuring did not erase individual loans — you can still be on the hook even though the company changed ownership.
You don't recognize the signature on your Sunlight/CRB loan documents
An unfamiliar email address, a signature process you don't remember, or a salesperson who controlled the device are all worth a closer look.
You're paying Sunlight Financial and a full CPS Energy bill
That combination is one of the most common reasons San Antonio homeowners with Sunlight/CRB loans reach out.
1,548,422
Estimated San Antonio residents
U.S. Census Bureau, July 2025 estimate
Top 5
Bexar County's rank among TX counties by total solar complaints
Texas Appleseed analysis of Texas AG complaint data — total count, not rate
818%
Statewide growth in Texas AG solar complaints, 2018-2023
Texas Appleseed
Español
Solar loan reviews available in Spanish
San Antonio and Bexar County
Texas Appleseed analysis of Texas Attorney General complaint data. Bexar County's rank reflects total complaint count among Texas's largest counties, not a complaint rate — and it is not a count of complaints against any single lender.
The bankruptcy question
Sunlight Financial and affiliated companies filed Chapter 11 on October 30, 2023, and the restructuring became effective on December 6, 2023, with the company emerging under new ownership. That corporate restructuring did not automatically cancel existing consumer loans.
In practice, that means a homeowner can still receive Sunlight Financial loan statements even when the installer that sold or installed the system has closed or stopped responding. The loan documents, servicing records, installation contract, and communications need to be reviewed together to know where things actually stand — the same is true for a GoodLeap loan where the installer is no longer available.
Not sure which lender pattern fits your situation?
That's exactly what the free review sorts out. No cost, no obligation, and a straight answer about where you stand — whichever company financed your system.
Was the system properly approved?
Unlike deregulated Texas markets, San Antonio's electricity is served by CPS Energy — a city-owned utility that handles both electric service and distributed-generation interconnection. The solar loan, the installer's work, City of San Antonio permitting, and CPS Energy's approval are separate parts of the same transaction, and any one of them can go wrong independently of the others.
CPS Energy also requires contractors installing solar, batteries, or generators in its territory to register and maintain specified licensing and insurance credentials. A solar loan payment does not replace a CPS Energy bill — if the system was never fully approved or is underperforming, a homeowner can end up paying both.
Source: CPS Energy's published Distributed Generation and Distributed Generation Contractors materials; City of San Antonio residential permitting resources. Requirements change — confirm current requirements directly with CPS Energy.
What to expect
Solar loan and installation contracts nearly always contain a mandatory arbitration clause, regardless of which lender is involved, and Texas courts generally enforce them. Most of the process is handled remotely and in writing, so it should not require you to travel.
The signing record is central evidence
Whether GoodLeap or Sunlight/CRB financed the system, the completion certificate, device data, and account timestamps are what actually settle a dispute over who signed what — not anyone's memory of the sales visit.
Time matters
Waiting rarely helps either lender scenario — a lender that already has a signed contract and an arbitration clause gains nothing by your delay, while a paper trail gets harder to reconstruct the longer collections or credit reporting runs.
What to bring
A real answer comes from documents, not a phone description — whichever lender financed your system. Bring whatever you have; most homeowners are missing at least half this list, and that is not a problem.
One homeowner. One solar loan.
Sunlight Financial relied on this homeowner not knowing her rights. Here's what Bennett Legal recovered when she called us.
$113,000
Solar loan cancelled in full
Sunlight Financial
$58,000
Cash paid to our client
Plus full credit repair
$170,000
Total financial recovery
UCC filing released
What Sunlight Financial agreed to:
Past results do not guarantee future outcomes. Each case is evaluated individually.
Your attorney
Texas State Bar No. 24086454 · Bennett Legal · Dallas, Texas
Charles Bennett is the attorney responsible for every solar matter this firm handles. He represents Texas homeowners in consumer arbitration against solar lenders and installers, with an active docket of solar financing matters.
Questions
Stopping payment has consequences, including negative credit reporting, and it is not a decision to make without advice. Talk to an attorney about your specific situation before you change how you are paying.
Depending on the documents and the facts, an attorney can evaluate potential claims, defenses, and remedies. Nobody can responsibly promise cancellation before reading the contract, the sales proposal, and the utility records — and not every borrower can simply stop paying or cancel a loan.
Usually not. The loan is a separate obligation owed to the lender — whether GoodLeap, Sunlight Financial, or Cross River Bank — and it typically survives the installer's closure. That gap between who took the money and who is left to answer for the system is often at the center of these cases.
CPS Energy requires a completed distributed-generation application, a one-line electrical diagram, a site plan, and an elevation drawing, and its review can take approximately 20-25 working days once the application is complete. If you never saw that approval, or the installer wasn't registered with CPS Energy in the first place, that is worth confirming.
Not on the house itself — on the solar equipment. Financing is usually secured by a UCC-1 fixture filing covering the system. Because the panels are permanently attached to the home, that filing can surface on a title search and complicate a sale or refinance until the loan is satisfied or the lien is released.
Almost certainly not. Solar loan and installation contracts nearly always contain a mandatory arbitration clause, and Texas courts generally enforce them. Most of the process is handled remotely and in writing.
It can. Bennett Legal handles these matters in Spanish as well as English, and which language the sale was conducted in — versus which language the documents were provided in — is a relevant fact in evaluating the dispute.
The case review is free. If Bennett Legal takes the matter, the fee arrangement is explained to you in writing before you commit to anything.
Where we work
GoodLeap financing runs across the wider metro; Sunlight Financial/Cross River Bank activity concentrates more heavily in specific pockets like Converse. Either way, the case works the same: documents first, lender second.
San Antonio
Converse
Alamo Heights
Castle Hills
Helotes
Leon Valley
Live Oak
Schertz
Selma
Universal City
Financed through Cross River Bank in the Laredo market instead? Read our Laredo solar loan lawyer page. Financed through GoodLeap in the Dallas-Fort Worth area? Read our Fort Worth solar loan lawyer page.
Send over whatever paperwork you have and name the lender. From there, Bennett Legal maps the loan against the CPS Energy record and the sales pitch to see where the two stop matching.
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Bennett LegalCharles A. Bennett, Esq. — Texas State Bar No. 24086454. Principal office: Dallas, Texas. Bennett Legal serves clients in San Antonio and Bexar County.
Consumer complaints and allegations discussed on this page have not necessarily been proven in court. Prior cases, regulatory actions, and reported complaints do not guarantee a similar result in any individual matter. Each solar financing dispute depends on its specific contracts, communications, electronic records, and applicable law. Past results do not guarantee future outcomes.
Sources: Texas Appleseed, Dimming the Benefits of Residential Solar in Texas; San Antonio Express-News solar regulation investigation; U.S. Securities and Exchange Commission, Sunlight Financial Chapter 11 filings (October 30, 2023) and Form 8-K (December 6, 2023); Moyano v. Sunlight Financial, LLC, cited as illustrative allegations only — not a finding of proven fraud, and not a San Antonio case; CPS Energy Distributed Generation and Distributed Generation Contractors published materials; City of San Antonio residential permitting resources; U.S. Census Bureau QuickFacts, San Antonio city, Texas; public Texas UCC-1 financing statements.