For institutions considering a move from consenting to originating, two structured programs are designed for exactly that transition, presented here at equal weight with neither recommended over the other. CLEAR has been operated in a real market under real conditions in St. Louis, including in buildings damaged by the 2025 tornado; Building Decarbonization in a Box is packaged for adoption rather than assembly, developed with Rockefeller Brothers Fund grant awards. Each gets what it is, who it suits, and a first step. The premise underneath both: the barrier to community lender participation in Missouri has never been capital — it has been the absence of a repeatable path from a borrower’s question to a closed transaction. Includes a six-route comparison, three participation modes, and a clear statement of what this orientation does not address.
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