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
Transparent, 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.