C-PACE Financing

C-PACE can fund new construction, major renovations, adaptive reuse, and retroactive improvements related to energy efficiency, water conservation, renewable energy, and building resiliency.

Repayment is made through a special assessment added to the property tax bill. This allows long-term amortization—up to 30 years—with payments treated as an operating expense.

Yes. In many states, C-PACE can be applied retroactively for eligible improvements completed within the past 36 months, offering permanent financing or refinance opportunities.

C-PACE is currently active in 34 states and Washington D.C., with enabling legislation in 40+. Availability depends on your property’s location and local program approval.

C-PACE is secured via a special assessment that typically takes senior lien position, but many mortgage lenders consent due to its non-accelerating nature and benefits to property value.