Embedded Financing
Why embedded finance for C&I is different
Consumer embedded finance stops at point‑of‑sale. C&I decarbonization requires custom engineering, permitting, incentive stacking, multi‑party coordination, and performance‑tied financing. Capital must be embedded across development through operations.
Built for complex, performance‑tied assets
- Long‑term cashflows linked to asset operations
- Underwriting goes beyond credit scores to technical & financial viability
- Includes development tools and capital rails, not just POS credit
Three components of Perl Street Embedded Finance
Development Capital
Flexible short‑term funding for feasibility, interconnection deposits, legal & permitting, and bridging grants/rebates—available to qualified developers.
Permanent Capital Access
Origination & structuring access to long‑term capital from C‑PACE, tax equity & ITC direct pay, green banks, private credit, and third‑party owners (PPA/ESA funders).
Financial Management
Execution infrastructure once capital is secured: real‑time loan management, underwriting & compliance automation, lender dashboards, investor reporting, and variance tracking.
GenAI‑enabled Underwriting Copilot
Explore financing options agenically—the copilot ingests audits, ESAs, and engineering files to propose capital stacks & pricing, then generates ready‑to‑review memos and a structured data room.
1. Pre‑Check
Auto‑review models, engineering files, contracts, and credentials. Score bankability and surface red flags.
2. Capital Stack Design
Use site address to analyze environmental, credit & title data; recommend PPA, ESA, ITC/tax equity, lease, loan, or PACE—with pricing & collateral strategies.
3. Sponsor Matching
Match developers with ESCOs, PPA funds, or property managers when long‑term ownership is needed; validate sponsor capacity.
4. Data Room Builder
Generate funder‑ready contracts, pricing models, credit memos, and organize a structured data room.
5. Capital Mgmt & Compliance
Manage disbursements, cash flows, performance tracking, reporting, and maintain audit trails.
Platform capabilities
- Real‑time loan & facility management
- Underwriting & compliance automation
- Lender dashboards & investor reporting
- Cashflow modeling & credit memos
- Asset management & variance tracking
- Sponsor & funder collaboration with permissions
“Perl Street became our financial system of record and cut portfolio roll‑ups from weeks to minutes.”
John Witchel
CEO of King Energy
Ready to embed capital into every project?
See how projects move from PDF to funded—and how funders scale portfolios without back‑office headaches.