C-PACE Lending

Q: What is the typical term length of C-PACE lending?

C-PACE lending typically offers terms ranging from 20 to 30 years, aligning with the useful life of the installed improvements.

Q: Does C-PACE require personal guarantees?

C-PACE lending is generally non-recourse and secured by the property assessment rather than personal guarantees.

C-PACE lending, made accessible.

Peachtree Group is a direct C-PACE lender delivering long-term, non-recourse capital for energy efficiency, renewable energy, and resiliency improvements across qualifying commercial properties. Our platform is built for certainty of execution.

Proven execution across the C-PACE capital stack.

133

C-PACE Transactions

$1.62 billion

in C-PACE Financing

What is C-PACE Financing?

Commercial Property Assessed Clean Energy (C-PACE) financing provides long-term, fixed-rate capital for energy, renewable, and resiliency improvements to commercial real estate. Structured as a property tax assessment, it runs with the property and integrates alongside senior financing.

Structural Advantages of C-PACE

Fixed-rate, non-recourse capital
Eligible look-back periods, subject to program guidelines
Payments may be deferred during construction
Assessment cannot be accelerated, but can be voluntarily pre-paid
Integrates alongside senior construction or bridge financing
May be applied retroactively to qualifying improvements

C-PACE vs. Mezzanine or Preferred Equity

C-PACE is often used to reduce overall capital stack cost while preserving ownership structure.

C-PACE

Mezzanine / Preferred Equity

20–30 year term

Typically 3–7 years

Fixed-rate

Often higher-cost or floating

Non-recourse

May include recourse or equity rights

No ownership dilution

May include equity participation

Transfers with property

Does not transfer

C-PACE

20–30 year term

Fixed-rate

Non-recourse

No ownership dilution

Transfers with property

Mezzanine / Preferred Equity

Typically 3–7 years

Often higher-cost or floating

May include recourse or equity rights

May include equity participation

Does not transfer

How the C-PACE Financing Process Works

Project Qualification

Eligible improvements and property criteria are reviewed under applicable C-PACE program guidelines.

Capital Structuring

C-PACE is sized and integrated within the overall capital stack in coordination with the senior lender.

Program Approval

Required documentation and energy reports are submitted for program approval.

Funding & Closing

Capital is funded at closing or during construction, delivering long-term, fixed-rate certainty.

Eligibility Overview

Eligibility depends on property type, improvement scope, and program guidelines within the applicable jurisdiction.

Eligible Property Types

Hotels
Multifamily (5+ units)
Senior living
Student housing
Retail
Office
Industrial
Self Storage

Eligible Improvements

Energy efficiency upgrades
HVAC and building systems
Renewable energy installations
Water conservation systems
Seismic and resiliency improvements

General Requirements

Located in an active C-PACE jurisdiction
Mortgage lender consent required
Improvements must meet program standards

Frequently Asked Questions

Answers to common questions about C-PACE financing with Peachtree Group.

What is the typical term length of C-PACE financing?

C-PACE financing typically offers terms ranging from 20 to 30 years, aligning with the useful life of the installed improvements.

Is C-PACE senior to a mortgage?

C-PACE is structured as a tax assessment and is collected alongside property taxes. Mortgage lender consent is required prior to closing, and repayment is structured to integrate with existing financing.

Does C-PACE require personal guarantees?

C-PACE financing is generally non-recourse and secured by the property assessment rather than personal guarantees.

Can C-PACE be used for new construction?

Yes. C-PACE can be incorporated into ground-up construction projects to finance eligible energy and resiliency improvements.

Is C-PACE transferable upon sale?

Yes. Because the obligation runs with the property, the remaining assessment transfers to the new owner upon sale.

Can C-PACE financing be used retroactively?

In many jurisdictions, C-PACE may finance qualifying improvements completed within an approved look-back period, subject to program guidelines and lender consent.

Why Borrowers Choose Peachtree for C-PACE Financing

Direct C-PACE lender

Proven execution

Integrated capital stack expertise

Certainty at closing

Explore the Full Lending Platform

View all direct, government, and specialty lending solutions available to you.

View all loan programs

Meet your dedicated C-PACE lending team.

Jared Schlosser

Head of Credit Originations and Commercial PACE

Robert Loeb

AVP Originations, CPACE

Meet the Credit & Lending Team

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