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Cloover

Fintech · Berlin, Germany · Founded 2022

Cloover is a German-based climate fintech company developing an AI-powered operating system for the renewable energy sector, designed to simplify operations for installers and accelerate the adoption of clean energy for households. Founded in 2022 by Jodok Betschart, Peder Broms, and Valentin Gönczy, the company aims to address the fragmented and inefficient processes that hinder small and mid-sized renewable energy installers. The founding team combines expertise in technology, finance, and software development; Betschart is a tech entrepreneur who previously founded the event management software company Evenito, Broms has a background in structured finance, and Gönczy is a seasoned SaaS expert. Cloover's platform functions as an end-to-end solution for installers of solar panels, batteries, heat pumps, and EV chargers. It integrates workflow management software, procurement, financing options, and energy management into a single system, sometimes referred to as the "Shopify of Energy". The business model is centered on empowering small and medium-sized installers by providing them with digital tools to streamline their sales process, manage payments, and offer financing directly to homeowners at the point of sale. This approach helps installers improve their cash flow, reduce administrative work, and increase revenue by an average of 30% by reaching customers who might not afford the high upfront costs of renewable energy systems. For homeowners, the platform offers access to clean energy with no initial capital investment, leading to estimated energy cost savings of 20-30%. The company's core product utilizes an AI Finance co-pilot that assists with credit underwriting by factoring in long-term energy savings and pre-financing public subsidies, allowing consumers to benefit from incentives immediately. For institutional investors, Cloover provides access to a new infrastructure asset class supported by performance data and climate impact tracking. Since its inception, Cloover has demonstrated significant growth, reporting an 8x revenue increase in 2025 while maintaining profitability. The company has secured substantial financial backing, including a notable seed round of $114 million in 2024 and a massive financing package in January 2026, which included $22 million in Series A equity and a $1.2 billion debt facility. This capital is intended to fund customer and installer financing and support the company's expansion into new European markets such as France, Italy, the UK, and Austria, from its current operations in Germany, Switzerland, Sweden, and the Netherlands. Keywords: renewable energy OS, climate fintech, installer software, residential solar financing, energy independence, AI-powered energy platform, Jodok Betschart, Peder Broms, Valentin Gönczy, embedded finance, green energy, solar panel installation, heat pump financing, battery storage solutions, workflow management, decentralized energy, energy transition, sustainable hardware financing, point-of-sale financing, clean energy adoption