C-PACE
Missouri Green Banc
C-PACE Loans for
Missouri Property Owners
Commercial Property Assessed Clean Energy (C-PACE) financing makes it easy to fund energy efficiency, renewable energy, and resiliency improvements — paid back through a voluntary property tax assessment.
The Easy Way to Finance Energy Savings in Missouri
C-PACE through Missouri Green Banc is unlike a traditional loan. It is repaid through a voluntary property tax assessment — meaning payments are rolled into your property taxes and paid on your normal tax schedule. With up to 100% financing available (hard and soft costs), C-PACE makes it easier to start projects that reduce energy bills and modernize your building.
Why C-PACE Works for You
Secured by the Property
No personal guarantee required — the assessment is tied to the real property, not the individual borrower.
Up to 100% Financing
Cover both hard costs (equipment, construction) and soft costs (permits, engineering, fees) in a single financing.
Deferred First Payment
Nothing due for at least six months after closing, then payments follow your existing property tax schedule — only twice a year.
Fixed Interest Rate
Lock in a competitive fixed rate — typically more affordable than mezzanine debt or bridge financing.
Off-Balance-Sheet Treatment
C-PACE assessments are often treated as an operating expense rather than balance-sheet debt.
Pass-Through to Tenants
In net-lease structures, project costs can be passed through to the tenants who directly benefit from the energy savings.
Capital Stack Flexibility
Use C-PACE as gap financing that reduces the cash or equity you need to close a deal.
Save Energy & Support Missouri
Every C-PACE project reduces energy costs and supports Missouri's statewide clean energy goals.
Loan Terms at a Glance
Missouri C-PACE operates as an open, competitive capital market — multiple lenders participate, which keeps rates competitive and terms flexible.
| Term | Details |
|---|---|
| Interest Rate | Fixed; varies by lender — typically more affordable than mezzanine debt |
| Loan Term | Up to the useful life of the improvement; maximum 30 years (some lenders offer shorter terms) |
| Loan Amount | Up to 30% of the property's assessed value or appraisal |
| Repayment | Voluntary property tax assessment — billed with your regular property tax (twice yearly) |
| First Payment | Deferred at least 6 months from closing |
| Cost Coverage | Up to 100% of eligible project costs, including hard and soft costs |
Is Your Project Eligible?
Here's what you need to know before applying for C-PACE financing through Missouri Green Banc.
Eligible Property Types
- Commercial Properties
- Industrial Properties
- Multi-unit Housing (5+ units)
- Nonprofits & Faith-Based Organizations
- Agricultural Properties
Eligible Improvements
- Energy Efficiency Upgrades
- Renewable Energy Systems
- Water Conservation & Quality
- Resiliency Measures
- EV Charging Infrastructure
Eligible Project Scopes
- Retrofits & Upgrades
- Gut Rehabs
- New Construction
- Retroactive Projects
Additional Requirements
- Energy audit or feasibility study required
- All mortgage lenders must sign a Lender Acknowledgement Form
- Project must save energy or reduce GHG emissions
- Property must be in Missouri
Two Ways to Get Started
Missouri Green Banc offers two application pathways — choose the one that fits your project.
Advisor-Supported Process
Work directly with MGB and Missouri Clean Energy District staff to review your project, shape scope and financing strategy, coordinate with capital providers, and guide you through application, documentation, and closing. Best for complex, multi-layered, or development-driven deals.
Apply for C-PACEQuick Self-Guided Path
Enter basic project details, receive an instant eligibility read, and — if it pencils out — move directly into streamlined financing through Allectrify's automated workflow. Ideal for straightforward projects that don't require hands-on structuring.
Get a Quick QuoteTransparent, Affordable Fees
C-PACE financing through MGB can include up to 100% of eligible project costs, and program fees may be rolled into the loan amount. Fee structures vary by project size but are designed to be transparent and predictable.
- ✓A nominal closing fee is charged at the start of the project.
- ✓An annual administrative fee covers ongoing loan servicing.
- ✓All fees are rollable into the loan amount — no out-of-pocket upfront cost required.
- ✓Fee amounts depend on project size and complexity; your MGB advisor will walk you through the full fee schedule.
Ready to Finance Your Clean Energy Project?
It only takes a few minutes to see if your Missouri property qualifies for C-PACE financing.
Start Your ApplicationQuestions? Our team is here to help.