C-PACE vs Traditional Financing
Compare annual cash outflows, amortization, and total cost. Defaults are illustrative, adjust to your deal.
Deal Inputs
Preset
Account for interest tax deductibility
Compare on same total
Traditional Debt
Typical 6.75–8.5%
Common bank terms
C-PACE
PACE often ~100–200 bps inside
PACE amortization = term
Include construction interest-only
Summary
PACE costs- Total net cash out (Traditional)
- $1,288,604
- Total net cash out (C-PACE)
- $2,583,706
- Difference
- $1,295,102
Avg annual savings
$51,804
Month 1 impact
$191,890
Tax rate assumed
25%
PACE IO
2 yrs
Equity: 25% · Discount rate (NPV): 8% · Cap rate: 6.5%
This structure reduces near-term cash out while extending amortization through C‑PACE. On these assumptions, your average annual cash savings are highlighted above, with a positive month‑one impact. Consider increasing the PACE share to shift more of the stack into long‑term fixed payments, or adding a short interest‑only period if construction timing is tight. We’ll auto‑suggest optimizations here with AI next.
Traditional: Annual Cash Out
- Year 1$255,621
- Year 2$256,593
- Year 3$257,639
- Year 4$258,768
- Year 5$259,983
C-PACE: Annual Cash Out
- Year 1$63,731
- Year 2$63,731
- Year 3$98,756
- Year 4$99,237
- Year 5$99,746
- Year 6$100,282
- Year 7$100,847
- Year 8$101,444
- Year 9$102,073
- Year 10$102,737
- Year 11$103,438
- Year 12$104,177
- Year 13$104,956
- Year 14$105,779
- Year 15$106,647
- Year 16$107,563
- Year 17$108,529
- Year 18$109,548
- Year 19$110,623
- Year 20$111,757
- Year 21$112,954
- Year 22$114,216
- Year 23$115,548
- Year 24$116,953
- Year 25$118,436