C-PACE Financing for Commercial Property Owners
Long-term, property-based funding for energy efficiency, HVAC, and building improvements — without stressing cash flow
Terms up to 30 years • Often cash-flow neutral • Frequently zero down payment
15-minute consultation • No obligation • Property-focused
Is C-PACE a Good Fit for Your Property?
- Good Fit
- Commercial or Industrial Properties
- office, warehouse, retail, hospitality, or multifamily (5+ units)
- Planned Improvements $250,000 plus
- Long-term ownership, or income producing assets
- Not a Fit
- Residential homes
- Personal loans or working capital
- Short-term or emergency funding
- Solar-only projects
What Is C-PACE Financing?
C-PACE (Commercial Property Assessed Clean Energy) allows eligible property owners to finance qualifying improvements through a voluntary property tax assessment rather than a traditional loan.
Because repayment is tied to the property:
Terms can extend 20–30 years
Payments often align with asset life
Projects are frequently cash-flow neutral or positive
Financing may transfer upon sale, subject to approval
WHAT CAN BE FINANCED?
Eligible Improvements Include:
- HVAC systems & building automation
- Energy efficiency retrofits
- Lighting & controls
- Building envelope upgrades
- Electrical & infrastructure improvements
- Battery storage & resilience systems
- Water efficiency projects
- Solar may be included as part of a broader project.
Why Work With ARCS Environmental Financing?
Most firms try to “sell” C-PACE.
ARCS acts as your independent project advisor, helping you:
Determine if C-PACE actually makes financial sense
Model long-term cash-flow impact
Coordinate capital providers and stakeholders
Avoid projects that look good on paper but fail in practice
If C-PACE isn’t the right solution, we’ll tell you — before you commit.
Process
1️⃣ Eligibility Review
We confirm property location, ownership, and program availability.
2️⃣ Project & Financial Review
We assess scope, costs, projected savings, and repayment impact.
3️⃣ Capital Coordination
We help navigate lenders, capital providers, and required consents.
4️⃣ Funding & Implementation
Long-term financing aligned with asset life and project goals.
See If Your Property Qualifies for C-PACE
Before Starting your C-PACE review
Please have the following ready:
• Property address
• Rough project budget
• Existing mortgage information (if known)
• Any energy audit or contractor quote
Start with a short pre-qualification — no pressure, no obligation.
C-PACE Financing FAQs
C-PACE (Commercial Property Assessed Clean Energy) is a financing structure that allows commercial property owners to fund eligible building and energy improvements through a voluntary property tax assessment rather than a traditional loan. Repayment is tied to the property, not personal credit.
C-PACE is generally available to owners of commercial, industrial, multifamily (5+ units), and mixed-use properties located in jurisdictions that have adopted a C-PACE program. Eligibility depends on property type, location, ownership status, and the scope of the proposed improvements.
Eligible projects typically include HVAC systems, energy efficiency upgrades, lighting and controls, building envelope improvements, electrical and infrastructure upgrades, battery storage, resilience measures, and water efficiency projects. Solar and renewable energy systems may be included when part of a broader improvement project.
While requirements vary by state and program, C-PACE is generally best suited for projects $250,000 and above. Smaller projects are often better served by traditional equipment financing.
In many cases, no. Because repayment is tied to the property through a tax assessment, personal guarantees are often not required. Specific requirements depend on the program and capital provider.
Senior lender consent is typically required before moving forward with C-PACE financing. ARCS helps property owners evaluate this early and coordinate the consent process to avoid surprises.
C-PACE terms are commonly 20 to 30 years, allowing repayment to align with the useful life of the improvements. This structure often helps keep projects cash-flow neutral or cash-flow positive.
C-PACE generally takes longer than traditional loans due to program requirements, reviews, and approvals. It is best suited for planned capital improvement projects rather than urgent or short-term funding needs.
In many cases, the C-PACE assessment may transfer with the property to a new owner, subject to buyer and lender approval. This is evaluated during the structuring process.
C-PACE is designed for long-term value and cash-flow alignment rather than the lowest short-term rate. When evaluated over the life of the asset, it often improves project feasibility and long-term financial outcomes.
That’s where ARCS comes in. We review your property, project scope, and financials to determine whether C-PACE makes sense — and we’ll tell you honestly if it doesn’t.
15-minute consultation • No obligation
ARCS: Financing Smarter, Sustainable Business Upgrades
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Contact
805 270 3303
ross@greenequipmentfunding.com
12385 Creek Run Dr, #C, Creve Coeur, MO 63141