Financing
C-PACE Financing
Long-term, fixed-rate money for energy and resilience upgrades, repaid on your property tax bill.
C-PACE pays for qualifying work such as HVAC, lighting, roofs, windows and solar, often a big part of a hotel PIP. It is repaid over 20 to 30 years as a special assessment on the property tax bill, and it stays with the property if you sell.
A good fit when
- A renovation or PIP with mechanical, roofing or lighting work
- New construction built above energy code
- Filling a gap for less than mezzanine or equity would cost
Quick facts
| Amount | Usually 10 to 30% of the project cost |
|---|---|
| Term | 20 to 30 years, fixed rate, no balloon |
| Rate | A fixed margin over the 10-year Treasury |
| Personal guarantee | No |
| Time to close | 60 to 120 days |
| Where | About 30+ states have active programs; your county must take part |
Typical ranges as of October 2026. Every lender and deal is different.
Watch out for
- Your mortgage lender must agree, and that is usually the slow part
- Program fees and early-payoff premiums
- Unpaid installments rank ahead of the mortgage, so lenders review C-PACE closely
General information, not an offer or commitment. Star Advantage Funding is not a lender; every lender sets its own terms.