Of 60 answers

The most named companies in the study, and S&P 500 financials, with how many of their 60 AI answers named them.

SWIFT47/60TRANSUNION46/60EXPERIAN42/60COINSTAR41/60NAVY FEDERAL CREDIT UNION41/60ZELLE41/60BLOOMBERG L.P.38/60TRADINGVIEW38/60BANCO POPULAR DE PUERTO RICO37/60PAYPAL37/60VENMO37/60CHEXSYSTEMS33/60EQUIFAX33/60MORNINGSTAR32/60S&P GLOBAL31/60ALPACA MARKETS30/60COINBASE30/60PINWHEEL29/60STRIPE29/60XERO29/60ACORNS28/60AFFIRM28/60PAYFAST (PAYGATE)28/60PAYONEER28/60INTERACTIVE BROKERS26/60CHARLES SCHWAB19/60THE HARTFORD9/60MOODY'S21/60CME GROUP19/60ACCENTURE11/60CHUBB10/60MORGAN STANLEY6/60AMERICAN EXPRESS14/60SYNCHRONY FINANCIAL12/60FACTSET20/60NASDAQ19/60ALLSTATE11/60WELLS FARGO18/60PAYCHEX10/60ARES MANAGEMENT3/60
Rezolve Ai
MethodDemo
Back to the study
AI visibility statementFinance AI Visibility Study 2026Issued October 14, 2026
Account holder

Sunlight Financial

sunlightfinancial.com

Personal, auto and student lendingLending and credit

Money20/20 attendee

Statement period
October 9, 2026
when the AI assistants were asked
Account no.
210 of 2,219
its rank by overall score
Place in its category
1st of 62 consumer lenders
Closing balance

Named in

3of 60 answers

by 2 of 4 assistants

Statement note

What this means for Sunlight Financial

AI assistants name Sunlight Financial in 5% of answers, which is slightly more often than the typical company in its sector at 3.3%. It has an overall score of 41 out of 100, ranking 210th out of 2,219 companies. Its website passes 6 of 14 technical checks for readiness with AI tools.

We asked 15 unbranded questions about its market, so no question mentioned Sunlight Financial by name. AI assistants named it in 3 of the 60 answers. Counting only how often it is named, it ranks 37th of 93 in its sector. The typical lending and credit company is named in 3.3% of answers.

Overall score
41Overall score
  • Visibility9
  • Citations2
  • Sentiment100
  • Site quality87
  • AI readiness43
Summary of account
Named by AI in
5.0%
3 of 60 answers
Share of mentions
18.8%
of the mentions of it and its 5 peers
AI readiness
6/14
technical checks passed. Typical for its sector: 4
Rank in its sector
7 of 93
by overall score, where the typical lending and credit company scores 31

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Line itemsSection 01

Every question, and where the company came up

Sunlight Financial came up on 2 of 15 questions. Open any window to read that answer.

  1. 01How can contractors speed up funding for their clients' renovation projects?0/4
  2. 02What rates and terms are typical for home improvement financing in the US?0/4
  3. 03What are the best home improvement financing options for contractors in the United States?1/4
  4. 04Are there any hidden fees with home renovation financing platforms?0/4
  5. 05How can homeowners find the easiest approval home renovation loans?0/4
  6. 06How does contractor financing compare to traditional personal loans for home upgrades?0/4
  7. 07Can credit cards or HELOCs replace online home improvement lending platforms effectively?0/4
  8. 08What are some alternatives to using a platform for home improvement financing?0/4
  9. 09Are HVAC and roofing upgrades eligible for streamlined home renovation loans?0/4
  10. 10Where can contractors find financing tools for growing their home improvement business?2/4
  11. 11Do home improvement financing platforms make sense for smaller projects like fencing or garage doors?0/4
  12. 12What types of projects can be financed through home improvement lending platforms?0/4
  13. 13Is it worth using a home improvement financing platform for an energy efficiency upgrade?0/4
  14. 14Unsecured vs secured financing for home improvement projects—what are the pros and cons?0/4
  15. 15Why was my home improvement finance application declined, and what can I do next?0/4
Total namedOpenAI: 0/15Claude: 2/15Perplexity: 1/15Gemini: 0/15All assistants: 3/60
named the companyanswered without naming itdid not answer

Columns, left to right: OpenAI, Claude, Perplexity, Gemini. Across the study, on 50% of the questions where a company is named, only one AI assistant names it.

Transaction detailSection 02

What Claude actually said

An answer that names the company

Claudenamed the company

“Where can contractors find financing tools for growing their home improvement business?”

I'll search for information about financing tools available for home improvement contractors.Based on the search results, here are the key places where home improvement contractors can find financing tools to grow their business:

Specialized Financing Platforms

Sunlight Financial provides fast, affordable financing solutions designed for home improvement contractors and their customers, with industry-leading approval rates, seamless digital tools, and a simple paperless process. Sunlight offers two powerful financing platforms — Tangerine™ and Orange® — to help contractors close more jobs …

The AI’s answer as we received it, shortened and not checked for accuracy.

PayeesSection 03

Where the mentions went

The companies these answers named, and how the mentions were split between this company and its peers.

Also named

CompanyTimes named
  1. 01
    Hearth
    4
  2. 02
    GreenSky
    4
  3. 03
    EnerBank USA
    4
  4. 04
    Mosaic
    1
  5. 05
    Finance of America Home Improvement
    1

Share of mentions

CompanyShare
  1. GreenSky
    25.0%
  2. Hearth
    25.0%
  3. Sunlight Financial
    18.8%
  4. EnerBank USA
    18.8%
  5. Mosaic
    6.3%
  6. Finance of America Home Improvement
    6.3%
ReferrersSection 04

Websites the AI used as sources

How many times each website was listed as a source in these answers

  1. 01
    bankrate.com
    29
  2. 02
    usbank.com
    17
  3. 03
    lendingtree.com
    15
  4. 04
    themortgagereports.com
    13
  5. 05
    consumerfinance.gov
    11
  6. 06
    regions.com
    10
  7. 07
    acornfinance.com
    10
  8. 08
    hfsfinancial.net
    9
  9. 09
    upgrade.com
    7
  10. 10
    sunlightfinancial.com (its own website)
    7

Sunlight Financial is in the study as a consumer lender.

By assistantSection 05

Which AI assistants named the company

Answers naming it, out of answers received

Claude
2/15
Perplexity
1/15
Gemini
0/15
OpenAI
0/15
Market comparisonSection 06

How Sunlight Financial compares with all 2,219 companies

Every tower is a company in the study, taller for a higher overall score and lit where AI assistants named it. Its own group stays lit. Hover a tower to see it, and click to open it.

What makes up the score

Each part is scored out of 100.

Visibility
9

How often AI assistants name the company, and how that compares with its peers

Citations
2

How often AI uses the company's own website as a source

Sentiment
100

How positively AI describes the company

Site quality
87

How well built the website's own pages are

AI readiness
43

How easily AI tools can read and use the website

Visibility is calculated from the answers on this page. How the score is built.

Against its sectorSection 07

Compared with lending and credit companies

93 companies in this sector. The gold tick on each bar is the typical company.

Overall score
41
Ranks 7 of 93. Typical company: 31
Named in answers
5.0%
Ranks 37 of 93. Typical company: 3.3%
AI readiness
43
Ranks 3 of 93. Typical company: 29
Against its categorySection 08

Compared with consumer lenders

62 companies in this category. The gold tick on each bar is the typical company.

Overall score
41
Ranks 1 of 62. Typical company: 28
Named in answers
5.0%
Ranks 17 of 62. Typical company: 1.7%
AI readiness
43
Ranks 1 of 62. Typical company: 29
AI agentsSection 09

Ready for AI agents

What this website publishes for an AI agent to read, use and pay through, on a scale of six levels.

  1. 0
  2. 1
  3. 2
  4. 3
  5. 4
  6. 5

Level 1: Basic web presence. Two of robots.txt, a sitemap and Link headers are in place.

To reach level 2:
  • Content Signals
Can an AI agent check out here?

Not by itself. Sunlight Financial publishes none of the agent payment protocols we look for. An agent would have to click through the website like a person.

Agent payment protocols
  • x402Not present
  • MPPNot present
  • AP2Not present
  • ACPNot present
  • UCPNot present
Interfaces for AI agents
  • MCP Server CardNot present
  • A2A Agent CardNot present
  • Agent SkillsNot present
  • API CatalogNot present
  • llms.txtPublished
  • WebMCPCould not check
Show every check, for your technical team
Discoverability
77 of 100
  • robots.txtPassed

    A valid robots.txt with crawl rules at the site root.

    study: 86.1%
  • SitemapPassed

    An XML sitemap listing the pages, ideally referenced from robots.txt.

    study: 87.9%
  • Link headersNot met

    Send Link headers such as rel="api-catalog" or rel="describedby" on the homepage.

    study: 1.5%
  • DNS for AI DiscoveryNot present

    Advertise agent endpoints with SVCB records under _agents.

    study: 4.3%
Content accessibility
50 of 100
  • Markdown negotiationNot met

    Return a markdown version when asked with Accept: text/markdown, for example at the CDN.

    study: 6.2%
  • llms.txtPassed

    An llms.txt that tells language models what the site offers.

    study: 31.0%
Bot access control
63 of 100
  • AI bot rulesPassed

    Explicit robots.txt rules for AI crawlers such as GPTBot, ClaudeBot and PerplexityBot.

    study: 92.7%
  • Content SignalsNot met

    Add a Content-Signal line for search, ai-input and ai-train to robots.txt.

    study: 2.3%
  • Web Bot AuthNot present

    Only relevant if you run your own agents or crawlers: publish a signing key directory.

    study: 0.3%
APIs, auth and MCP
0 of 100
  • API CatalogNot met

    List public APIs in a linkset at /.well-known/api-catalog.

    study: 1.3%
  • OAuth discoveryNot met

    Publish OpenID Connect or OAuth server metadata under /.well-known.

    study: 6.3%
  • OAuth Protected ResourceNot met

    Serve protected resource metadata at /.well-known/oauth-protected-resource.

    study: 5.3%
  • auth.mdNot met

    Publish an auth.md describing how agents sign in.

    study: 0.2%
  • MCP Server CardNot met

    Offer an MCP server and publish its server card under /.well-known.

    study: 0.8%
  • A2A Agent CardNot met

    Publish an agent card at /.well-known/agent-card.json.

    study: 0.2%
  • Agent SkillsNot met

    Publish a skills index with the main tasks agents can do.

    study: 1.0%
  • WebMCPCould not check

    Register key actions such as search or cart as WebMCP tools.

    study: 0.0%
  • ARD manifestNot met

    Publish an ai-catalog.json listing every agent interface.

    study: 0.2%

Score 43 of 100 · 97% of checks could run · checked on October 9, 2026 · sunlightfinancial.com · 2,200 companies scanned

See how every company did, and how this was measured.

AI readinessSection 10

The checks behind the AI readiness score

6 of 14 passed. This list is for your technical team. The percentage is how many companies in the study pass each check.

These 14 checks ran during the audit and are what the AI readiness part of the overall score counts. The scan above ran later and is stricter on Link headers and Markdown, so a check can pass here and not there.

Show the 14 checks

Discoverability

  • Passedrobots.txt publishedstudy: 85.1%
  • PassedXML sitemapstudy: 79.4%
  • PassedHTTP Link headers (RFC 8288)study: 42.5%

Content Accessibility

  • Not metMarkdown content negotiationstudy: 7.4%
  • Passedllms.txt publishedstudy: 28.1%
  • PassedToken budget (page weight)study: 97.3%

Bot Access Control

  • PassedExplicit AI bot rulesstudy: 11.5%

API / Auth / MCP

  • Not metAPI Catalog (.well-known/api-catalog)study: 1.1%
  • Not metOAuth Authorization Server discoverystudy: 5.2%
  • Not metOAuth Protected Resource discoverystudy: 4.6%
  • Not metMCP Server Cardstudy: 0.2%
  • Not metA2A Agent Cardstudy: 0.0%
  • Not metWebMCP toolsstudy: 0.3%
  • Not metAgent Skills declaredstudy: 0.1%
AI crawlersSection 11

What AI crawlers may read (robots.txt)

This website sets rules for 7 AI crawlers by name. All others follow its general rules.

Training AI

  • GPTBot*blocked
  • ClaudeBotpartly
  • Anthropic-AIpartly
  • Google-Extended*blocked
  • Applebot-Extendedpartly
  • Meta-ExternalAgentpartly
  • FacebookBotpartly
  • Bytespiderpartly
  • CCBot*blocked
  • Diffbotpartly
  • Omgilibotpartly

AI search

  • OAI-SearchBot*allowed
  • Claude-SearchBotpartly
  • PerplexityBot*allowed
  • Applebotpartly
  • Amazonbotpartly
  • YouBot*allowed

Answering questions

  • ChatGPT-User*allowed
  • Claude-Userpartly
  • Perplexity-Userpartly
  • DuckAssistBotpartly
  • MistralAI-Userpartly

Read from the website’s own rules file (robots.txt). An asterisk marks a crawler the file names. The rest follow its general rules. “Partly” means only some pages are blocked.

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ShareSection 12

Share this result

Overall score 41 of 100 badge for Sunlight Financial

A badge of this result that you can show on your own website. Copy the code below.

<a href="https://aeo-audit.rezolve.com/us/finance/sunlightfinancial.com"><img src="https://aeo-audit.rezolve.com/finance/badges/sunlightfinancial.com.svg" alt="Overall score 41 of 100, Finance AI Visibility Study 2026" width="280" height="64"></a>
End of statement
All 2,219 companiesHow we measured this
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