Sunnova Went Bankrupt: What Happens to My Lease or Loan?

As of November 10, 2026. This guide is general information, not legal advice. Your contract, your state's law, and your own situation all matter. For decisions about stopping payments, filing claims, or disputing a contract, talk to a licensed attorney in your state.

If Sunnova installed solar on your home, you've probably seen your login change, your bills come from a new name, or no clear answer at all. Here's what the public record shows about where Sunnova's bankruptcy stands, who has your contract now, and what you can do.

The short answer

• Your contract wasn't canceled by the bankruptcy. Sunnova sold substantially all of its assets in a court-supervised sale, and SunStrong Management now services most in-service customer accounts ^[3][4][6].
• SunStrong says payment and contract terms stay the same, other than escalators already in your contract and changes to sales tax ^[7].
• The bankruptcy case is mostly over. The court confirmed Sunnova's Chapter 11 plan in November 2025, and the plan took effect on November 14, 2025 ^[2][5]. A creditor trustee is still handling leftover claims and litigation ^[2].
• Loan customers and lease/PPA customers are treated differently. They use different billing portals ^[8], and SunStrong says it does not provide maintenance for loan customers ^[9].

What happened to Sunnova? A plain-language timeline

June 2025: Chapter 11 filing. Sunnova Energy International Inc., Sunnova Energy Corporation and Sunnova Intermediate Holdings filed for Chapter 11 on June 8, 2025, in the U.S. Bankruptcy Court for the Southern District of Texas. A subsidiary, Sunnova TEP Developer, had filed on June 1, 2025 ^[1][2]. The cases are jointly administered under Case No. 25-90160 before Judge Alfredo R. Perez ^[2]. At the time, Sunnova said it would keep servicing customers' solar and storage systems during the sale process ^[1].

July 31, 2025: Sale approved. The bankruptcy court approved selling Sunnova's assets and business operations to a group of Sunnova bondholders and entities controlled by GoodFinch Management. That group had provided Sunnova with $90 million of debtor-in-possession financing ^[3].

Early September 2025: Sale closed. The buyer, Solaris Assets, LLC and affiliates, acquired substantially all of Sunnova's assets. As part of the deal, Sunnova's management and servicing business moved to SunStrong Management, LLC ^[4]. Sunnova's website now says the company "has ceased independent operations" and that SunStrong "has assumed responsibility for servicing and managing most in-service customer systems" ^[6].

November 2025: Plan confirmed and effective. The court entered an order confirming Sunnova's Third Amended Joint Chapter 11 Plan, and the plan's Effective Date was November 14, 2025 ^[5]. (The court notice dates the confirmation order November 10, 2025 ^[5]. The claims agent's case summary says November 12, 2025 ^[2]. Either way, the plan has been effective since November 14, 2025.)

2026: Wind-down. Through 2026, the claims agent's calendar has listed hearings brought by Thomas A. Pitta, as creditor trustee of the Sunnova Creditor Trust. They include claim objections, a motion to dismiss, and pre-trial conferences in adversary cases, with one pre-trial conference set for November 18, 2026 ^[2]. For most homeowners, these hearings don't change who services the account. They matter if you have a money claim against the old Sunnova companies.

Who owns and services Sunnova contracts now?

The answer has two layers:

1. Owner. Solaris Assets, LLC and its affiliates bought substantially all of Sunnova's assets ^[4]. Many Sunnova customer contracts sit in securitization trusts. As of the filing date, Sunnova managed and serviced 26 securitization trusts holding more than $7 billion of homeowner contracts and leases ^[4]. So the legal owner of your specific contract could be a trust or an affiliated entity. Your servicer can confirm which one. Ask SunStrong in writing who the current owner of your contract is.
2. Servicer. SunStrong Management handles day-to-day customer work for the acquired accounts, including system monitoring, billing, collections and customer service ^[6].

Note the word "most." Sunnova's own page says SunStrong services "most" in-service systems, not all of them ^[6]. If you've had no communication from SunStrong, use SunStrong's "Your Account" page to find your portal, or contact SunStrong to confirm whether your account transferred ^[8].

SunStrong contact details (from its own pages): phone (833) 514-1858; mail to SunStrong Management, PO Box 91910, Sioux Falls, SD 57109-1910 ^[11]; online customer service inquiry form ^[9].

What it means for you: lease vs. PPA vs. loan

If you have a Sunnova lease or PPA

Your lease or PPA kept going after the sale. SunStrong's help center says to keep paying as usual and that there will be no changes to your agreement terms, "aside from any previously expected escalators noted in your contract and/or changes to sales tax" ^[7]. Bankruptcy doesn't turn a lease into ownership, and it doesn't erase a buyout or transfer clause. Read your contract for:

• Buyout or early purchase option (when it's allowed and how the price is set)
• Transfer-on-sale terms (what a buyer has to do to take over)
• Production guarantee (what Sunnova promised about output)
• Roof penetration or workmanship warranty (who fixes leaks and for how long)

If you have a Sunnova loan

Sunnova loan accounts are serviced by SunStrong through a loan billing portal that is separate from the lease and PPA portal ^[8]. Two points matter most:

• Maintenance isn't included. SunStrong's inquiry form says it "does not provide maintenance services for Loan customers or customers who outright own their systems" ^[9]. SunStrong's maintenance page tells cash and loan customers to contact local solar dealers, installers or repair companies ^[10].
• Your loan still has a lender behind it. Under the FTC "Holder Rule," a seller generally can't take or receive a covered consumer credit contract unless it contains a notice. The notice says any holder of the consumer credit contract "is subject to all claims and defenses which the debtor could assert against the seller," with recovery capped at amounts paid ^[15]. Check whether your loan agreement contains that notice. If the system was never finished or never worked, an attorney can tell you whether the notice helps you.

Warranty and repair questions

This is the least clear part of the Sunnova transition.

• Manufacturer warranties. Panel, inverter and battery warranties come from the equipment makers, not Sunnova. Find the brand and serial numbers on your equipment or contract, then check that manufacturer's warranty terms, including whether the warranty transfers to a new owner.
• Sunnova's own promises (workmanship, roof, production guarantee). Before relying on any of these, ask SunStrong in writing which of your contract's warranty and production-guarantee terms it will honor, and keep the reply.
• Claims against the old Sunnova. The general deadline to file proofs of claim in Sunnova's case was August 6, 2025 ^[2]. If you believe Sunnova owed you money or repairs, the case website has the claim documents ^[2]. Missing a deadline has legal consequences, so talk to a bankruptcy attorney before you act on an old claim.

Practical steps for Sunnova customers

1. Gather your documents - Your signed Sunnova lease, PPA or loan agreement, plus any amendments - Your Sunnova System ID or account number (SunStrong's form asks for the "Sunnova System ID #") ^[9] - Your last bill from Sunnova and your first bill from SunStrong - Any emails or letters about the transfer - Monitoring screenshots, utility bills and production records if the system is underperforming - Photos and dates for any roof leak or damage

2. Confirm your account and portal. Use SunStrong's "Your Account" page. It links Sunnova lease/PPA customers and Sunnova loan customers to different portals ^[8].

3. Put questions in writing. Use SunStrong's online inquiry form ^[9] or the secure message option in your online account ^[11]. Ask: - Who owns my contract today? - What is my current balance, payoff amount or buyout price, and how is it calculated? - Which warranty and production-guarantee terms will you honor? - What's the process if I sell or refinance? (The form has a "Sell or refinance my home" option ^[9].)

4. Check for a UCC-1 filing on your home. Solar lenders and lessors commonly file UCC financing statements on the equipment ^[16]. A "fixture filing" is recorded in the office where mortgages are recorded, which is usually your county recorder or clerk ^[12]. Other UCC filings go to a statewide office named in your state's UCC ^[12]. Search your county's land records and your state's central UCC index under your name and address, or ask your title company to run the search. A filed financing statement is generally effective for five years unless it's continued ^[14].

5. If your loan is paid off, ask for a termination. Under the model UCC, for consumer goods, the secured party must file a termination statement within one month after the debt is satisfied, or within 20 days after your authenticated demand if that comes sooner ^[13]. States adopt their own versions, so check your state's statute or ask an attorney.

6. Don't stop paying without advice. SunStrong says to keep paying as usual ^[7]. Your contract sets out what happens if you stop paying. If you think you have a dispute, talk to a consumer protection attorney first.

Selling or refinancing a home with a Sunnova system

Mortgage lenders need to know who owns the panels. Fannie Mae's Selling Guide tells lenders to review the lease or PPA, and to include the monthly lease payment in debt-to-income unless the agreement meets specific fixed-energy and production-guarantee conditions. It treats a "precautionary" UCC filing that covers only the solar equipment (not the home) as "a minor impediment to title" ^[17]. For financed panels with a UCC fixture filing in the land records, Fannie Mae says the filing must be subordinated if it has priority over the new mortgage ^[17]. The CFPB has noted that a UCC lien on panels "can muddy the title because some jurisdictions view the lien as applying to the whole property" ^[16].

Tell SunStrong early. Its form collects buyer, title company and closing details ^[9]. For the full walkthrough, see our guide Selling a house with a solar lien.

Related guides

• SunStrong Management: complaints, buyouts and selling, for your new servicer
• GoodLeap won't let buyer assume loan, if GoodLeap is helping complete your project or you have a GoodLeap loan
• Solar Servicing LLC (formerly Mosaic)
• SunPower bankruptcy: lease, PPA, loan and cash customers
• Selling a house with a solar lien

How Unstuck Solar can help

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FAQ

Do I still have to pay Sunnova (now SunStrong) after the bankruptcy? SunStrong says to keep making payments as usual and that agreement terms aren't changing, apart from contractual escalators and sales tax changes ^[7]. If you think you have grounds to dispute the contract, speak with an attorney before stopping payments.

Who is SunStrong Management? An asset management and servicing company. As part of the Sunnova sale, Sunnova's management and servicing business moved to SunStrong ^[4]. It now handles monitoring, billing, collections and customer service for the acquired accounts ^[6].

Is Sunnova still in business? No. Sunnova's site says it "has ceased independent operations" ^[6]. Its Chapter 11 plan took effect on November 14, 2025 ^[5].

Who services my Sunnova loan? SunStrong, through a loan portal that is separate from the lease and PPA portal ^[8]. SunStrong says it does not provide maintenance for loan customers ^[9].

Can I buy out my Sunnova lease? Only if your lease allows it. Check the buyout or purchase-option section, then ask SunStrong in writing for an itemized quote and a good-through date. SunStrong's requests portal lists a "Want to Payoff your System?" option ^[18]. See our SunStrong guide for details.

My Sunnova panels stopped working. Who fixes them? That depends on your contract type. SunStrong says it doesn't provide maintenance for loan customers or for systems owned outright ^[9]. Its maintenance page lists local repair companies, without endorsing them ^[10]. Ask SunStrong in writing which warranty terms apply to you.

Is there a Sunnova lawsuit or settlement for customers? The case docket lists several adversary proceedings filed against Sunnova entities ^[2]. For any settlement or payout, rely only on the court docket or the official case website ^[2].

Will a Sunnova UCC filing stop me from selling my house? Not necessarily, but you'll need to deal with it before closing. Lenders and title companies look for these filings, and how they handle one depends on whether you lease or have a loan ^[16][17]. See our solar lien guide.

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Not legal advice. SGI is not a law firm. Information comes from public court, company and government sources as of November 10, 2026. It can change. Consult a licensed attorney about your specific contract.

Sources

1. Sunnova Energy International Inc., press release "Sunnova Announces Strategic Action to Facilitate Value-Maximizing Sale Process," June 9, 2025 (SEC Exhibit 99.1): https://www.sec.gov/Archives/edgar/data/1772695/000177269525000110/exhibit991-filingpressrele.htm
2. Kroll Restructuring Administration, Sunnova case website (case background, plan, claims bar dates, hearing calendar): https://restructuring.ra.kroll.com/Sunnova/
3. Norton Rose Fulbright, "Norton Rose Fulbright advises GoodFinch and SunStrong in acquisition of Sunnova," August 2025: https://www.nortonrosefulbright.com/en/news/f4c29d1e/norton-rose-fulbright-advises-goodfinch-and-sunstrong-in-acquisition-of-sunnova
4. Davis Polk, "Sunnova section 363 sale of substantially all its assets," Sept. 9, 2025: https://www.davispolk.com/experience/sunnova-section-363-sale-substantially-all-its-assets
5. Notice of Entry of Confirmation Order and Occurrence of the Effective Date, Case 25-90160, Doc. 1235 (Bankr. S.D. Tex., filed Nov. 14, 2025): https://restructuring.ra.kroll.com/Sunnova/Home-DownloadPDF?id1=Mzk3MjM2Nw%3D%3D&id2=0
6. Sunnova, "Sunnova Closure and Support Resources" (last updated Nov. 2, 2025): https://www.sunnova.com/reading-lists/why-sunnova/
7. SunStrong Management, Help Center ("Will my payments or contract terms change?"): https://sunstrongmanagement.com/help-center/
8. SunStrong Management, "Your account" (originator billing portals): https://sunstrongmanagement.com/homeowners/account/
9. SunStrong Management, Customer Service Inquiry form (maintenance notices; sell/refinance option): https://sunstrongmanagement.com/customer-service-inquiry/
10. SunStrong Management, "Solar maintenance services" (for cash and loan customers): https://sunstrongmanagement.com/solar-maintenance-services/
11. SunStrong Management customer portal, Contact Us: https://sunstrong.youronlineaccount.com/pub/ContactUs.aspx
12. Uniform Commercial Code § 9-501 (filing office), via Cornell LII: https://www.law.cornell.edu/ucc/9/9-501
13. UCC § 9-513 (termination statement), via Cornell LII: https://www.law.cornell.edu/ucc/9/9-513
14. UCC § 9-515 (duration of financing statement), via Cornell LII: https://www.law.cornell.edu/ucc/9/9-515
15. FTC Holder Rule, 16 C.F.R. § 433.2, via Cornell LII: https://www.law.cornell.edu/cfr/text/16/433.2
16. CFPB, "Solar Financing Issue Spotlight," August 2024: https://files.consumerfinance.gov/f/documents/cfpb_solar-financing-issue-spotlight_2024-08.pdf
17. Fannie Mae Selling Guide B2-3-04, "Special Property Eligibility Considerations" (Properties with Solar Panels): https://selling-guide.fanniemae.com/sel/b2-3-04/special-property-eligibility-considerations
18. SunStrong Requests Portal: https://sunstrong.zendesk.com/hc/en-us