• $1.2 billion financing package targets residential and SME-scale distributed energy assets
• AI platform pairs workflow software with embedded finance to accelerate Europe’s energy transition
• Cloover forecasts $500 million sales in 2026 amid surging demand for decentralized power

Europe’s push toward decentralized energy gained fresh momentum as Cloover secured $22 million in Series A equity and a $1.2 billion debt facility to expand its AI-driven operating system for residential energy independence. The company also benefits from a €300 million ($328 million) guarantee from the European Investment Fund that supports scalable, low-cost capital for installers and households.

Financing Architecture for Distributed Energy

Cloover’s package combines equity, debt, and public guarantees in a structure designed to solve one of Europe’s most persistent transition bottlenecks: financing residential clean energy assets at speed. MMC Ventures and QED Investors led the equity round with participation from Lowercarbon Capital, BNVT Capital, Bosch Ventures, Centrotec, and Earthshot Ventures. A major European bank provided the debt facility to fund customer and installer financing on the platform. Including prior rounds, Cloover has raised more than $30 million in equity and secured over $1.3 billion in debt commitments.

Europe’s clean energy rollout depends on hundreds of thousands of small and mid-sized installers. Most rely on fragmented software, manual processes, and limited lending options, slowing installation timelines and raising costs for consumers. Traditional banks remain hesitant to underwrite residential batteries, rooftop solar, heat pumps, and EV charging at volume. Cloover embeds financing at the point of sale, pairing it with AI-driven workflow and credit tools tailored for distributed energy.

“With this $1.2 billion commitment we are enabling households to become energy independent without the friction of upfront costs or complex loan applications. Our AI operating system connects stakeholders across the value chain and revolutionizes how energy independence becomes the new norm” said Jodok Betschart, Co-Founder and CEO at Cloover.

AI Credit, Subsidy Pre-Financing, and Energy Optimization

Cloover’s software integrates procurement, financing, installation workflows, and long-term energy optimization through its energy management system and dynamic tariffs. AI underwriting evaluates performance-based payback and energy savings rather than relying solely on traditional credit metrics. The platform also pre-finances public subsidies, allowing households to capture state incentives immediately.

Installer partners benefit from shorter cash cycles and expanded customer pools. Cloover reports approximately 30 percent incremental revenue for installers using its embedded finance tools. Household users see savings of between 20 and 30 percent through optimized system performance and financing structures.

“Cloover is not just about financing. We are building the backbone for energy independence. We are creating the Shopify of Energy, a platform that equips manufacturers, installers, households, and investors with the tools to deliver distributed energy at scale” said Valentin Gönczy, Co-Founder and CPO.

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Market Demand Fueled by AI Loads and Grid Instability

Cloover’s business sits at the convergence of structural energy trends. AI computing loads, electric mobility, and electrification of heat are straining grids across advanced economies. Households face price volatility and supply uncertainty. Governments are adding policy support for decentralized energy through incentives, permitting reforms, and national heat pump strategies.

These dynamics have translated into commercial growth. Cloover grew revenues eightfold in 2025 while remaining profitable and approaching $100 million in sales. The company projects $500 million in 2026 and $1 billion in 2027 as distributed energy markets accelerate.

“Cloover is tackling one of the largest and most structurally important opportunities in the European energy transition. The team delivered strong commercial execution in 2025 while building a scalable platform business” said Oliver Richards, General Partner at MMC Ventures.

Strategic Outlook

The new capital will support expansion into additional European markets including France, Italy, the United Kingdom, and Austria. Cloover plans to deepen automation and add new financing products aimed at SME installers and homeowners. Its long-term ambition is to provide a unified operating system that links manufacturers, installers, investors, and households.

For investors and policymakers, the company’s trajectory highlights a broader shift in the energy transition: residential and SME-scale assets are emerging as an infrastructure category with performance data, credit models, and climate reporting that can support institutional capital. As Europe seeks to reinforce grid resilience and diversify supply, distributed energy finance is becoming core to transition strategy rather than peripheral to it.

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