About Mosaic

In an increasingly environmentally conscious marketplace, Mosaic claims to provide individuals with the opportunity to invest in high-quality solar projects, and to earn a decent return on their investment. In fact, Mosaic claims to have helped more than 2,500 investors from all across the U.S, with more than $5.6 million invested to date.

But does Mosaic really help you make money, while also making a difference? Let’s shed some light on the facts and find out.

Quick Facts About Mosaic

With a claimed goal of “opening up clean energy investing and fundamentally changing the way energy is financed,” Mosaic is a new impact investing company that provides everyday individuals with the opportunity to invest in high-quality, eco-conscious solar energy projects, and to collect repayments with interest. Mosaic claims that every project is fully vetted to present minimal risk to investors, while also providing maximum returns.

As such, the process works over three steps:

  1. Mosaic connects an investor with a solar project in need of financing.
  2. After coming online, the project generates revenue by selling power to customers.
  3. Some of this revenue is then paid back to investors, with interest.

As a Mosaic investor, you’ll be provided with access to an online account, which allows you to manage and track your investment, and to view related prospectuses. As your payments accrue in your FDIC-insured account, you can choose to reinvest these profits into new solar projects, or to transfer them to your personal bank account.

Beginning in March 2014, if you’re a California resident you can also apply for a home solar loan through Mosaic, which ultimately works the same as their other projects. In other words, investors will fund your project, and you’ll repay your loan over a period of up to 20 years.

Mosaic Pricing & Refund Policy

While there is no fee to create an account or to transfer funds, Mosaic does charge a 1% annual platform fee, which is assessed on a monthly basis.

Investments can be made for as little as $25, which present 4.5% to 6.3% average returns on investment over the course of nine years. In addition, Mosaic claims to provide 100% on time payments to all investors.

What Do Other Consumers Have to Say About Mosaic?

Mosaic was founded by Billy Parish in 2010 and is based out of Oakland, CA. The company has received quite a bit of media attention, and has been featured in the New York Times, Forbes, the Wall Street Journal, Fortune, and more. Despite this, Mosaic does not appear to be listed with the Better Business Bureau.

Since investment opportunities have only been open to the public since 2013, online investor reviews are thin. However, those present appear to be wholly positive, and include ease of use, good customer service, and higher than average rates of return.

What’s the Bottom Line About Mosaic?

From a business perspective, Mosaic’s crowdfunding platform for solar energy projects seems to have provided access to a vastly underserved market. In fact, after the company’s first return-on-investment solar project launched in January 2013, it sold out in just 24 hours.

While online investor reviews are few and far between, those that are available paint Mosaic in a very positive light. On top of this, the company has garnered an immense amount of positive media attention due to their unique investment platform.

As with any other type of investment, it’s possible that you could lose money in a Mosaic project, so it’s important to weigh your options carefully before handing over your money. With this said, if you’re interested in investing in environmentally friendly solar projects, Mosaic appears to be a solid choice.

Have you invested in a Mosaic project? If so, tell the world about your experience by writing a review!

Want to Learn Expert Tips for Online Safety?

Join over 2 million HighYa readers who receive weekly how-to guides, tips & reviews and get a FREE COPY of our Complete Online Safety e-book. Enter your email below to get started!

4 Customer Reviews for Mosaic

Average Customer Rating: 1.0
Rating Snapshot:
5 stars: 0 4 stars: 0 3 stars: 0 2 stars: 0 1 stars: 4
Bottom Line: 0% would recommend it to a friend
Showing 1-4 of 4
Sort reviews by:

  • Worst Company

    • Tucson, AZ,
    • Dec 2, 2016

    Recently had solar installed on my home and was informed that Solar Mosaic Inc. would be my finance company. My first payment I contacted them to:

    1. Change my billing date from the 16th to the 1st of the month. Sorry, we can't do that.

    2. Okay, I'll pay through my bank's bill pay. Oh, that's an additional $6.00.

    3. The company helped discontinue auto pay. Money still auto paid from my account.

    4. We will adjust to reflect next months payment. Never adjusted payment.

    This company can't adjust bill dates, accept standard bill pay from banks without a $6.00 additional charge. Then insures you on the phone that they will be jumping through hoops to correct or adjust their mistakes and yet never lifts a finger to correct or adjust anything. Worst costumer service and lack of customer care I have ever seen in a company. Stay clear from any business transactions with Solar Mosaic Inc.

    Bottom Line: No, I would not recommend this to a friend

    Help others find the most helpful reviews

    Was this review helpful?

    yes no
    Comments (0)
    View all 0 commentsHide comments

    Do you have an account? Log In before commenting.

    (If you don’t have an account – don’t worry, you can create it after)


  • 1 out 1 people found this review helpful

    Very apprehensive

    • Arizona,
    • Aug 7, 2016

    Well I have solar, but I have mosaic. This company does not make me feel warm and fuzzy. Very odd customer service. I will pay off ASAP even if I have to get a home equity loan at a higher interest.

    Bottom Line: No, I would not recommend this to a friend

    Help others find the most helpful reviews

    Was this review helpful?

    yes no
    Comments (0)
    View all 0 commentsHide comments

    Do you have an account? Log In before commenting.

    (If you don’t have an account – don’t worry, you can create it after)


  • 1 out 1 people found this review helpful

    Horrible Company. Stay away!

    Name changed and location withheld due to I am still involved with this debacle of a company. The solar company I got the system from recommended Mosaic for financing. I tried to read through the contract, but all my questions were half-answered. I should have backed out then. A couple weeks later, I showed the contract to a friend and he said that, "They sure aren't doing their customers any favors, in fact, they're doing them a disservice with this contract." It is so bad with them, I am selling my house just to get rid of them. I hated to even give them one star. Stay away from this company unless you love grief, stress, and misery in your life.

    Bottom Line: No, I would not recommend this to a friend

    Help others find the most helpful reviews

    Was this review helpful?

    yes no
    Comments (0)
    View all 0 commentsHide comments

    Do you have an account? Log In before commenting.

    (If you don’t have an account – don’t worry, you can create it after)


  • 1 out 1 people found this review helpful

    Finance Fiasco

    • CT,
    • Jul 8, 2016

    Applied for a 10 year loan, approved for a 20 year, no mistake here for obvious reasons. If you're a thinker you will pickup on what's beneficial for the company that claims to look out for the consumer and what direction the company is willing to lead you. Not worth it when this company can't put the same equipment together if it's leased or purchased. I guess that makes a difference in the paper work which obviously change the component's to the system to be incompatible with backup battery, because one is a lease and the other is financed. Oh and the door to door sales rep is all over it, his solution was "please give me referrals".

    Bottom Line: No, I would not recommend this to a friend

    Help others find the most helpful reviews

    Was this review helpful?

    yes no
    Comments (0)
    View all 0 commentsHide comments

    Do you have an account? Log In before commenting.

    (If you don’t have an account – don’t worry, you can create it after)


Showing 1-4 of 4

Write a review for Mosaic!

Share your experience to help others avoid scams & discover great products!

Write a Review