Heat Pump Financing Without a Bank: Vattenfall Launches Financing Solution for PV Systems and Heat Pumps

Berlin – Financing the expansion of decentralised energy technology in private homes is set to become easier. Energy group Vattenfall is partnering with FinTech company EFS (Enpal Financial Services) to offer integrated financing solutions for photovoltaic systems, battery storage, wallboxes and heat pumps, effective immediately.

Homeowners will thus be able to access advice, technology, energy products and financing from a single source. According to the companies, the financing is integrated directly into the sales process and is designed to work without separate bank consultations or additional loan applications.

Vattenfall sees this as an important lever for making investments in climate-friendly energy technology more predictable and for lowering existing barriers to entry. "Anyone looking to switch to solar power or a heat pump wants above all clarity: about costs, monthly outgoings and long-term economic viability," said Orkan Cakir, Head of Residential Customer Solutions at Vattenfall.

The financing solutions are aimed specifically at private households and are designed to be flexibly adapted to different investment volumes.

EFS is a FinTech company specialising in energy technology and forms part of the Enpal Group. The company develops what are known as embedded finance solutions for PV systems, heat pumps and other decentralised energy systems.

Source: IWR Online, 29 May 2026