This spring Oakland, California-based Mosaic expanded its business to begin offering homeowners solar loans alongside downstream partner RGS Energy, looking to take advantage – and indeed lead – an expected trend away from the solar leases that have driven the US residential PV market in recent years.

On Tuesday Mosaic kicked things into a higher gear, announcing a loan product that will come packaged with O&M services provided by US micro-inverter maker Enphase, which already monitors more than 160,000 PV systems globally.

Mosaic’s