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Commercial Property Assessed Clean Energy (C-PACE) finances solar through a voluntary property tax assessment. The loan attaches to the property (not the owner), with repayment through property tax bills over 20-30 years. This unique structure enables 100% financing with no personal guarantee.
C-PACE adds a voluntary assessment to your property tax bill to fund the solar installation. The lender is repaid through your property taxes over 20-30 years. Because it's a property assessment (not a loan), it transfers with the property if sold, requires no personal guarantee, and is typically off-balance-sheet.
Added to property tax bill ($500-$3,000/mo for 100kW)
Based on a 100kW commercial system
Property owners wanting 100% financing
Businesses that want to claim the ITC + MACRS
Owners who may sell the property (assessment transfers)
Projects where traditional financing is unavailable
100% financing with no money down
You own the system — claim ITC + MACRS
Assessment transfers with property sale
No personal guarantee required
Long terms (20-30 years) keep payments low
Off-balance-sheet treatment (tax assessment)
Cash flow positive from day one in most cases
Requires property ownership (not for tenants)
Senior lien position may concern mortgage lenders
Not available in all states/municipalities
Higher interest rates than conventional loans (6-9%)
Requires mortgage lender consent in some programs
Assessment recorded on property deed
$0 upfront
A Solar PPA is a contract where a third-party developer owns, installs, and maintains the solar system on your property. You purchase the electricity generated at a fixed rate, typically 10-30% below your current utility rate. No upfront cost, no maintenance responsibility.
$0 upfront
A solar lease is similar to a PPA but involves fixed monthly payments instead of per-kWh pricing. The third-party lessor owns the system, and you pay a predictable monthly amount regardless of production. Operating leases can be off-balance-sheet under certain conditions.
10-20% down payment typical upfront
A traditional term loan or SBA loan used to purchase a commercial solar system outright. The business owns the system from day one, claiming the full ITC, MACRS depreciation, and all energy production benefits. Multiple loan products are available including SBA 504/7(a) loans, commercial bank loans, and green bonds.
C-PACE adds a voluntary assessment to your property tax bill to fund the solar installation. The lender is repaid through your property taxes over 20-30 years. Because it's a property assessment (not a loan), it transfers with the property if sold, requires no personal guarantee, and is typically off-balance-sheet.
Site-specific pricing with exact incentive calculations. No obligation.