Non-downloadable chatbot software using artificial intelligence (AI) for communicating with contractors and borrowers related to home improvement projects and associated financing, including but not limited to project design, project management, proposal creation, lead and customer relationship management, reporting, energy management, account information, and project status updates; Artificial intelligence as a service (AIaaS) featuring software using artificial intelligence agents for answering questions and performing tasks related to solar, roofing, HVAC, windows, and other home improvement projects, including project design, sales pipeline management, proposal generation, associated loans, leases, power purchase agreements, payments, virtual power plants, and contractors and service providers