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C-PACE is a public-private partnership that provides capital to increase building energy efficiency and to improve the systems and physical structure of commercial real estate properties. C-PACE is levied as a special assessment in the property records and repayments are made via an assessment on a property tax bill. C-PACE is currently available in more than half of the nation’s states, plus the District of Columbia, and is rapidly gaining legislative momentum in many more. C-PACE can finance building improvements for efficiency, renewable energy, and resiliency projects that contribute to energy and water savings. Applicable costs include, but are not limited to, heating/cooling HVAC improvements, interior and exterior lighting, building controls, windows, and in many instances, water efficiency measures. Light to heavy renovation, gut rehab, adaptive reuse, and ground-up development projects may all utilize C-PACE to improve capital efficiency and create a more effective capital stack.

Standard Loan Terms

Use: Purchase, refinance, cash-out, construction, renovation.

Loan Amount:    $10,000,000 - $100,000,000


Max LTV (Loan to Value): 85%

Rate: Starting at 9.39%

Term of loan: 60 - 120 months

Payments: Monthly Interest Payments with Balloon at Maturity

Prepayment penalty: No prepayment penalty.

Standard Closing Costs

Origination Fee: 1-2%

Underwriting Fee: $1,500

Legal: $750 – $1,500

Appraisal Fee: $500-$950

Title Insurance and recording fees: 1%

Standard Closing Time.

10 - 20 days.

EBSC Lending is a direct lender and does not rely on other institutions to close the loans. Once the title work and appraisal are ready, We will be too!


Credit Application
Last 2 bank statements (US bank account)
Copy of ID and Borrowing Entity docs
Purchase Contract (If Purchase)
Property Insurance

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