C-PACE · Pennsylvania Covered in depth

C-PACE in Pennsylvania

Second-highest average project size in the country behind California, on only 30 closed projects. Adoption is county-by-county — roughly 21 counties have passed resolutions.

Verified 2026-08-30

Program status: Active; A program list entry was confirmed
Invested to date: $297M; Cumulative through 2024
Projects: 30; Ranks 7 of 10 reporting states
Average deal: $9.9M; Indicative, not a program limit

Who administers C-PACE in Pennsylvania

Pennsylvania has more than one program administrator. That matters more than it sounds — the same project can sometimes be run through either, and their rules, fees and turnaround are not identical.

Public capital provider list Pennsylvania publishes the capital providers registered with its program. See the official list. A provider on that list is actively looking for deal flow in this state.

How to check your specific property

C-PACE availability is decided locally even when the enabling law is statewide. Work through these in order — each one can end the enquiry, so doing them out of order wastes time.

Jurisdiction. Confirm the county or municipality has opted into the program. Statewide authorisation is not the same as local adoption.
Eligible scope. Establish which parts of your project qualify — energy, water and resiliency measures, and in many states new construction and a look-back on recently completed work.
Senior lender consent. Ask your mortgage holder early. This is the step that most often decides the timeline.
Assessment mechanics. Understand how the assessment appears on the tax bill and how it is handled at closing when the property sells.

Is C-PACE the right tool for this project?

C-PACE solves a specific problem: long-term, fixed-cost capital for improvements to a building, secured by the property rather than by you. It is not a substitute for working capital and it is not fast money. Where it is strongest:

Hotel and multifamily renovations where the capital stack is already tight
Office-to-residential and other adaptive reuse conversions
New construction where C-PACE fills the gap between senior debt and equity
Owners who expect to sell before a conventional loan would amortize
Deferred maintenance that a bank will not lend against

If your project does not fit that shape, the honest answer may be a different program — or none of them yet. USDA B&I covers rural projects with terms up to 40 years, and SBA 504 covers owner-occupied real estate and equipment. Our C-PACE versus bridge loan comparison covers the case where the two are used together rather than as alternatives.

C-PACE in Pennsylvania: common questions

Is C-PACE available in Pennsylvania?

Yes — Pennsylvania has an active C-PACE program, administered through 2 programs. Availability inside the state is usually decided jurisdiction by jurisdiction, so the property's county or city must also have opted in. Confirm the specific address with the program administrator before assuming coverage.

How large is the C-PACE market in Pennsylvania?

Cumulatively through 2024, Pennsylvania recorded $297M of C-PACE investment across 30 projects — an average of about $9.9M per project. That ranks it 7 of 10 states with reported volume. Average deal size matters more than project count when you are judging whether your project is typical for the market.

Does my mortgage lender have to consent to C-PACE in Pennsylvania?

In most programs, yes. The C-PACE assessment sits ahead of the mortgage in payment priority, so the senior lender is normally asked to consent in writing. Many commercial mortgage lenders now approve C-PACE routinely, but the consent conversation takes time and is the most common reason a deal stalls. Start it early.

What happens to the C-PACE assessment if I sell the property in Pennsylvania?

The assessment runs with the property. When the building sells, the remaining payments transfer to the buyer along with the improvements they funded. This is the structural feature that makes a 30-year term sensible for an owner who plans to exit in five.

Eligibility check

Does your Pennsylvania property qualify?

We will check the jurisdiction, the eligible scope and the senior lender consent path before anyone talks about rates.

Commercial and business purposes only — we do not place consumer loans.
If the project does not qualify, we say so and tell you what would change that.
No credit pull to get an answer on program eligibility.