A lot of the work we've done over the past year is navigating the regulatory labyrinth required to offer securities to 'non-accredited' investors. (i.e. everyone who doesn't have a million bucks in the bank)
I haven't read enough to judge how beneficial the particular loans you broker are, but I think that just showing that it's possible to crowdsource investment this way is a great achievement.
Structurally, Spark leases and our payouts to investors are not affected by changing prices or fluctuations in savings unless it results in default. Our leases are designed to be cash flow positive in all but the most unexpectedly poor performance scenarios, and we vet the methodologies used by our contractor partners to ensure that savings estimates adhere to accepted standards. Spark lease terms are also relatively short, with terms that typically fall in the 3-6 year range, reducing the risk of major shifts in utility prices during that time. Ultimately, however, a Spark lease is not a guarantee of performance, and the lease still requires repayment even if performance lags in a given month.