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For Property Owners | Maryland Commercial PACE

C-PACE for Property Owners

C-PACE enables building owners to access flexible, 100% upfront financing to improve their buildings’ value

Maryland property owners are discovering that C-PACE is a powerful tool to fund capital-intensive building retrofit and new construction projects. With no initial cash contribution, property owners may finance 100% of eligible energy efficiency, renewable energy and water conservation improvements at competitive rates with repayment terms of up to 25 years. This directly impacts the bottom line of any project.

C-PACE Requires 0% Down and Allows Long Payback Periods

  • Building owners can be cash flow positive from day 1
  • Underwriting is focused on the underlying building
  • Accessible to those with Non-Investment Grade Credit

C-PACE Transfers with Title and to Tenants

  • Buildings that may sell before full payoff
  • Buildings where tenants pay energy bill but owner finances upgrades
  • Projects that have longer payback periods

Owners with Tax Appetite Love C-PACE

  • Full realization of tax credits – including solar ITC
  • Accelerated depreciation benefits (MACRS)

Immediate Net Operating Income Improvement

  • Increases NOI – all C-PACE projects are cash flow positive
  • Doesn’t tie up balance sheet with debt
  • Also increases value of underlying asset

Resources for Property Owners

C-PACE for Property Owners

Learn about how C-PACE can help property owners invest in energy efficiency projects that are cash flow positive from day one. Document courtesy of PACENation.

Application for C-PACE Financing

All property owners wishing to benefit from C-PACE financing must complete the application for financing. This online form is submitted as part of a larger application package.

Directory of Registered Capital Providers

All C-PACE projects in the MD-PACE program must be financed by a program-registered capital provider.

Directory of Registered Contractors

All C-PACE projects in the MD-PACE program must be executed by a program-registered contractor. Current as of February 2019.

List of Consenting Lenders

C-PACE financing requires the express consent of any preexisting mortgage holders or similar lien holders on the property. This is a non-comprehensive list of lenders nationwide that have consented to C-PACE financing. Document courtesy of PACENation.

Get Started with an Application

Access 100% financing with no money down

Get Started

Video courtesy of PACENation.

What property types can C-PACE finance?





What measures are eligible for C-PACE finance?

Solar Energy Equipment

High-Efficiency Lighting and Building Systems

High-Efficiency Boilers and Furnaces and Heating Ventilation

Air Conditioning (HVAC) Upgrades

High-Efficiency Hot Water Heating Systems, Combustion and Burner


Building Shell or Envelope Improvements

Building System Energy Management Systems and Process Equipment Upgrades

Geothermal Energy Devices

Water Conservation