Property Owners & Developers
Paid for building improvements? Get that capital back.
If you’ve completed qualifying improvements like HVAC, roof, solar, energy systems, or renovations, you may be eligible for retroactive C-PACE financing. Capital returned to you for work already done.
See If Your Building Qualifies →Retroactive Financing
You already made the investment. C‑PACE lets you unlock the capital.
If you used bridge loans, debt funds, or cash reserves to finance qualifying improvements, C-PACE can replace that expensive capital with long-term, fixed-rate financing. No new construction required.
Lookback Period
Most states allow retroactive C-PACE with a lookback period of up to 36 months. Recently completed improvements may still qualify for long-term, low-cost financing.
Retroactive Financing
Refinance or recapitalize with C-PACE. Get reimbursed for qualifying work already completed.
100% Financing
100% financing for eligible hard and soft costs secured by a voluntary assessment on the property, similar to other property taxes.
Fixed or Rate-Reset Options, Up to 30 Years
Fixed rate locked for the life of the loan. Or choose a fixed rate with periodic reset, indexed to a lower U.S. Treasury benchmark at each reset period, with the option to prepay without penalty at the conclusion of each period, where available.
Up to 100% of Eligible Costs
Covers hard and soft costs including design, engineering, permits, and related expenses.
Non-Recourse After Construction
Once construction is complete, the obligation stays with the property, not the owner personally.
Common Use Cases
C‑PACE Project Types
New Construction
Ground-up commercial projects including hotels, multifamily, office, and mixed-use developments.
Major Renovation / Adaptive Reuse
Substantial redevelopment of existing commercial properties, including adaptive reuse and conversion projects.
Equipment Upgrades
Targeted upgrades to building systems including HVAC, lighting, envelope, elevator modernization, seismic and hurricane hardening, solar, EV charging, and more.
Recapitalization / Refinance
Retroactive financing for completed projects.
Eligible Asset Types
C‑PACE Works Across Commercial Property Types
- Multifamily (5+ Units)
- Office Buildings
- Retail Centers
- Hotels & Hospitality
- Industrial & Warehouse
- Mixed-Use Developments
- Medical and Long-term Care Facilities
- Self-Storage
- Nonprofits, Charter Schools, Churches
- +More
Eligible Measures
What Qualifies for C‑PACE Financing?
C-PACE finances a broad range of commercial property measures—from new construction and major renovations to targeted equipment upgrades and resilience improvements.Eligible measures vary by state and program. Contact us to confirm eligibility for your project.
Energy Systems
HVAC, lighting, elevator modernization, panel upgrades, controls and automation
Building Envelope
Roof, windows, doors, insulation
Water Conservation
Plumbing, water recycling, low-flow fixtures
Resiliency
Seismic retrofits, hurricane and wildfire hardening, stormwater and flood mitigation
EV & Grid
EV charging, demand response systems, microgrid infrastructure
Renewable Energy
Solar PV, solar thermal, wind, geothermal, fuel cell, and battery storage systems
Quick Check
Is your property eligible?
Most commercial properties with qualifying improvements are eligible. Here is a quick checklist:
Commercial property (office, retail, hotel, multifamily 5+, industrial, mixed-use)
Located in a state with active C-PACE legislation
Project includes qualifying energy, water, or resiliency improvements
Property is current on property taxes and mortgage payments
Existing mortgage lender approves C-PACE for your project
The Process
How FASTPACE Works
Initial Inquiry
Enter your property address and project scope using our Quick Quote tool. Get near-instant indicative terms for any C-PACE-eligible property in the country. No commitment required.Screening
FASTPACE reviews eligibility, project scope, and jurisdiction requirements. Initial documentation requested. Qualified deals are sent a term sheet.Underwriting
Following term sheet execution, full underwriting against FASTPACE credit standards.Closing & Funding
Loan closes and funds. Repayments attach to the property as a tax assessment, not as a personal guarantee. Repayments are typically collected annually or bi-annually depending on the jurisdiction.
FASTPACE made it possible to get our project across the finish line. The speed and certainty of execution were unlike anything we’d seen in C-PACE before.
Erin Tolbert
Property Owner