Program workspace

“This CleanFund video explains how PACE works in under two minutes. CleanFund can develop and manage a PACE program for your senior lender so there is limited additional underwriting. Contact Us C-PACE FAQ”

“With savings often exceeding payments, projects pay for themselves. For solar projects, customers can directly or indirectly take advantage of sizable tax benefits. PACE Financing What is PACE Financing? How PACE (C-PACE) Financing Works? What are the differences between C-PACE and R-PACE PACE-Eligible Improvements PACE (C-PACE) in the Capital Stack PACE Financing: Payments & Disbursements Lender Questions Resources Case Studies Videos and Webinars About Us About CleanFund CleanFund Team Contact Us (415) 517-2582 PACE Financing What is PACE Financing? How PACE (C-PACE) Financing Works? What are the differences between C-PACE and R-PACE PACE-Eligible Improvements PACE (C-PACE) in the Capital Stack PACE Financing: Payments & Disbursements Lender Questions Resources Case Studies Videos and Webinars About Us About CleanFund CleanFund Team Contact Us (415) 517-2582 info@cleanfund.com 2025 – All rights reserved, Cleanfund.com”

“Learn more about PACE with CleanFund to fund your next commercial real estate development. What is Property Assessed Clean Energy (PACE)? Assessment Financing is like a TIFF. It is a public improvement mechanism that has been around for more than 100 years to fund projects that are for the public good. The definition of "public good" now includes projects that reduce energy and water usage. How PACE Works: from Program Creation to Funding Step 1 : State approves PACE legislation (40 states so far) Step 2 : Counties or cities “opt-in” to one or more PACE programs based upon state program parameters Step 3 : CleanFund underwrites PACE programs to ensure best practices Step 4 : CleanFund sources transactions: Directly through relationships with property owners Indirectly through our participating lenders. Step 5 : Lenders approve transactions and fund directly or through CleanFund. Step 6 : The county collector adds a line-item to the property’s tax bill, and collects the new PACE payments as part of ordinary remittances What is an Assessment Contract? An assessment contract sets forth the property owner’s obligation to repay the PACE financing over time along with their normal property tax payments and clarifies the various terms of the PACE financing. The contract is between the property owner and the municipality in which the property is located. Either the lender or CleanFund will purchase a PACE bond that is backed by an assignment of the assessment contract. How do I pay my PACE Assessment? This assessment is levied each tax year and included on the building owner’s property tax bill. The payments are due at the same time as ordinary property tax payments. The lender will generally collect property taxes monthly with the mortgage and pay on behalf of the owner. Can I make a partial payment of my property tax bill? No. In most jurisdictions, you cannot partially pay your property taxes (i.e., choosing to exclude certain line items). This is part of what makes PACE credit so reliable. Can I pay off my assessment early? Yes. Typically, a prepayment premium is paid in connection with a prepayment and will vary depending on the negotiated interest rate. Can PACE financing be used to reimburse previous work? Yes, PACE can be used to finance improvements that are already installed and in operation should there be written acknowledgement of PACE as a financing option. As a safeguard, CleanFund’s Initial Application includes a clause on intention to reimburse prior to the start of construction, which preserves the Owner’s right to be remunerated for work that has already been completed. This might include engineering studies, energy audits, and other soft costs. Does PACE financing provide for 100% of construction costs? Yes, CleanFund can provide financing for up to 100% of costs associated with the improvements, including soft costs, such as engineering, site work, and energy audits in California.”

“New Construction”

“Non-recourse capital for major improvements to commercial, multi-family and alternative nonresidential properties.”

“Increase property value Pass through expenses Finance equipment replacement Cash flow increase Preserve Capital Significant energy savings”

“PACE for Mortgage Lenders CleanFund will develop and manage a PACE program for commercial real estate lenders to improve profits, expand business, and accomplish ESG goals with low risk investments. PACE for Lenders PACE for Commercial Property Owners PACE allows your lender to fund up to 100% of improvements that will lower your utility expenses without increasing your mortgage. Learn more from CleanFund . PACE for Property Owners CleanFund's C-PACE Financing California”

“Increase value with non-recourse financing that stays with the property.”

“Fund construction cost overruns Pay down loan or mortgage Replenish reserves Increase working capital Funded like construction loan or as reimbursement for work already completed”

“PACE, or “Property Assessed Clean Energy”, is a tool that can finance energy efficiency and renewable energy improvements on commercial properties. Lenders can use PACE to fund the upfront costs associated with energy efficiency or renewable energy improvements. The capital is repaid over 30 years through property taxes. The security provided by the tax assessment results in long-term financing and transferability of the repayment obligations to the next property owner.”

“New Construction Redevelopment Retroactive Financing Seismic Strengthening Retrofits Storm proofing Tenant Improvements Renewable Energy Improvements Building Expansion View all PACE Eligible improvements”

“This site has been designed to work and look best in current browsers (i.e. Firefox , Chrome , Safari , or Internet Explorer 9+ ). Please update your browser for the best experience at Clearinghouse CDFI. Skip to Content --> Clearinghouse Community Development Financial Institution Search Search Menu Borrowing Ask a Loan Question Our Loan Products New Markets Tax Credits Financial Education Series Investing Investing Overview Our Shareholders President/CEO Message Funds Opportunity Funds Impact ‘B’ BOLD(ER) Internship Programs ‘B’ BOLD – High School ‘B’ BOLD(ER) – College ‘B’ BOLD(ER) – Partners Impact Overview Borrower Stories PPP Impact Our Impact Map Our Impact Numbers News News & Events Overview CDFI Central Podcast Funded! A CCDFI Podcast News Events Newsletter Archive Newsletter Registration About About Us Overview FAQ Meet Our Team Office Locations Privacy Policy Financials & Reports Our B Corp Values Staff Directory Contact 1-800-445-2142”

“Ask A Loan Question Our Loan Products New Markets Tax Credits Financial Education Series”

“Get quarterly updates on our borrowers’ impacts in their communities. Email Address Subscribe to: Just Funded Recipients Clearinghouse CDFI Newsletter ---> 1-800-445-2142 --> --> --> --> Clearinghouse Community Development Financial Institution © 2026 All Rights Reserved Dept. of Corp. Finance Lender License #6035497 - CA | Foreign Corp. License #C20111025-1584 - NV Business License #NV20111673156 - NV | Commercial Mortgage Banker License #0933340 - AZ Admin Login Manage Consent To provide the best experiences, we use technologies like cookies to store and/or access device information. Consenting to these technologies will allow us to process data such as browsing behavior or unique IDs on this site. Not consenting or withdrawing consent, may adversely affect certain features and functions. Functional Functional Always active The technical storage or access is strictly necessary for the legitimate purpose of enabling the use of a specific service explicitly requested by the subscriber or user, or for the sole purpose of carrying out the transmission of a communication over an electronic communications network. Preferences Preferences The technical storage or access is necessary for the legitimate purpose of storing preferences that are not requested by the subscriber or user. Statistics Statistics The technical storage or access that is used exclusively for statistical purposes. The technical storage or access that is used exclusively for anonymous statistical purposes. Without a subpoena, voluntary compliance on the part of your Internet Service Provider, or additional records from a third party, information stored or retrieved for this purpose alone cannot usually be used to identify you. Marketing Marketing The technical storage or access is required to create user profiles to send advertising, or to track the user on a website or across several websites for similar marketing purposes. Manage options Manage services Manage {vendor_count} vendors Read more about these purposes Accept Deny View preferences Save preferences View preferences {title} {title} {title} Manage Consent To provide the best experiences, we use technologies like cookies to store and/or access device information. Consenting to these technologies will allow us to process data such as browsing behavior or unique IDs on this site. Not consenting or withdrawing consent, may adversely affect certain features and functions. Functional Functional Always active The technical storage or access is strictly necessary for the legitimate purpose of enabling the use of a specific service explicitly requested by the subscriber or user, or for the sole purpose of carrying out the transmission of a communication over an electronic communications network. Preferences Preferences The technical storage or access is necessary for the legitimate purpose of storing preferences that are not requested by the subscriber or user. Statistics Statistics The technical storage or access that is used excl”

“Borrowing Ask A Loan Question Our Loan Products New Markets Tax Credits Financial Education Series Investing Our Shareholders President/CEO Message Funds Opportunity Funds Impact ‘B’ BOLD(ER) Internship Programs Borrower Stories PPP Impact Our Impact Map Our Impact Numbers News & Events News Events Newsletter Archive Newsletter Registration About Us FAQ Meet Our Team Office Locations Privacy Policy Our B Corp Values Financials & Reports Staff Directory Contact Opt-out preferences Cookie Policy Disclaimer”

“Local servicing by your CCU Mortgage Loan Officer 12 month building period with interest-only payments Fixed or Adjustable Rate Loan Options available upon completed construction Include the cost of land if you do not already own the property you intend to build on How does a construction loan work? During construction, CCU's construction loan only requires interest-only payments. The money is drawn in increments throughout the construction process. Once construction is complete, fixed or adjustable rate loan options are available. Rates Check out our attractive & competitive rates! Explore Deposit Rates Explore Loan Rates Play Testimonial Slider/Pause Testimonial Slider”

“Construction”

“Explore our range of mortgage loan options to meet your home ownership needs. Explore Mortgage Loans Back to the top Co-op Credit Union Routing # 275977120 Phone # 800-258-0023 Facebook YouTube Instagram LinkedIn Resources Become A Member Financial Calculators Find a Location Contact Us Careers Legal Privacy Policy Terms of Use USA PATRIOT Act Sitemap © Co-op Credit Union Equal Housing Opportunity NCUA”

“Fixed or Adjustable Rate Loan Options available upon completed construction”

“Make your dream home or your second home a reality with a construction loan from CCU. Our construction loan allows a 12 month building period with interest-only payments. Click 'Meet Our Team' to apply for a construction loan today! Meet Our Team View Rates”

“Your next business investment awaits. Financing your commercial real estate project is a major decision—our lending team is here to help. From Owner-Occupied Real Estate Loans and Commercial Real Estate Financing to Construction, Acquisition, and Refinance Loans, we deliver customized solutions built around your business goals. Get More Info”

“Commercial Real Estate”

“selectbox Filter By Region Atlanta Lowcountry Savannah Reset Brian Smith Coastal Regional President Savannah, GA Office: (912) 400-5271 Mobile: (912) 667-9191 [email protected] NMLS# 1014183 Read Bio Gary Dowell Atlanta Regional President Atlanta, GA Office: (770) 203-4586 Mobile: (404) 983-7094 [email protected] Read Bio Will Rivenbark Executive Vice President, Head of Commercial Real Estate Lending Atlanta, GA Office: (770) 341-7312 Mobile: (770) 883-9107 [email protected] Read Bio Alan Patterson Commercial Banker / Home Builder Finance Atlanta, GA Office: (678) 553-9420 Mobile: (404) 884-4756 [email protected] NMLS# 921197 Read Bio Bill Burrows Senior Private Banker Hilton Head Island, SC Office: (843) 466-6334 [email protected] NMLS# 627862 Read Bio Carmen Cucinotta Business Development Banker Bluffton, SC Office: (912) 400-5294 Mobile: (856) 840-9445 [email protected] Read Bio Carol Stone Commercial Lender / Home Builder Finance Savannah, GA Office: (912) 400-5272 [email protected] Read Bio Chad Jacobs Commercial Real Estate Banker Savannah, GA Office: (912) 400-5290 Mobile: (912) 604-8960 [email protected] Read Bio David DeLucia Business Banker Cumming, GA Office: (770) 341-7305 [email protected] Read Bio David Wenger Senior Commercial Lender Charleston, SC Office: (843) 466-4440 [email protected] Read Bio Edward Vaughan Charleston Market President Charleston, SC Office: (843) 466-4438 [email protected] Read Bio Ed Long Business Banker Atlanta, GA Office: (404) 226-8680 Mobile: (678) 396-4637 [email protected] Read Bio Eric Lowman Beaufort Market President Beaufort, SC Office: (843) 837-0189 Mobile: (843) 986-3400 [email protected] Read Bio Eric Rivenbark Commercial Banking Team Leader Alpharetta, GA Office: (678) 396-4633 Mobile: (678) 923-8083 [email protected] Read Bio Harold Liles Commercial Banking Team Leader Alpharetta, GA Office: (770) 203-4587 Mobile: (770) 686-9647 [email protected] Read Bio Jamie DeLoach Effingham Market President Savannah, GA Mobile: (912) 655-9423 [email protected] Read Bio Jennifer Miller Commercial Banker Atlanta, GA Office: (404) 591-4301 Mobile: (678) 570-1314 [email protected] Read Bio Jeremy Summerell Savannah Market President Savannah, GA Office: (912) 400-5281 Mobile: (912) 657-6577 [email protected] Read Bio Kenneth Maguire Commercial Banker Hilton Head, SC Office: (843) 689-7811 Mobile: (843) 816-3692 [email protected] NMLS# 782023 Read Bio Laura Fraser Lowcountry Market President Hilton Head Island, SC Office: (843) 689-7802 [email protected] Read Bio Leslie Hammond Private Banker Atlanta, GA Office: (678) 553-9424 Mobile: (404) 408-5433 [email protected] NMLS# 757672 Read Bio Mark Cutler Senior Relationship Manager Beaufort, SC Office: (843) 837-0188 [email protected] NMLS# 1131041 Read Bio Ryan Williams Commercial Banker Bluffton, SC Office: (843) 837-0106 Mobile: (843) 533-0646 [email&#160”

“Make it super easy and hassle-free to find the perfect loan for your construction project. Our team of experts take the stress out of the equation by guiding homebuilders and developers toward the loan option that fits your project needs and financial goals. Home Builder Finance”

“ZIP code Routing #053208105 About Coastal States Bank About Us Investor Relations News Careers CRA Public File Quick Links Open An Account Lost or Stolen Debit Cards Loan Payments Check Reorders Switch Kit Financial Calculators FAQs Policy Privacy Policy Accessibility Policy Security Coastal States Bank NMLS # 737963 Coastal States Mortgage NMLS # 154698 © 2026 Coastal States Bank All Rights Reserved Sitemap Site Designed & Developed by Multimedia Solutions You are leaving Coastal States Bank's website to visit a site not hosted by CSB. Please review the third-party's privacy policy, accessibility policy, and terms. CSB is not responsible for the content provided by third-party sites. Cancel Proceed Coastal States Bank AI Chatbot is intended to provide streamlined access to coastalstatesbank.com-related information and is not a substitute for obtaining professional advice about a specific question from a banking expert. Responses are intended for educational and informational purposes only. CSB retains queries for business development and training data – do not input any sensitive information. Please do not include personal or sensitive information in your message (i.e. account numbers, social security numbers, etc.) Use of CSB AI Chatbot is subject to all of the Terms of Use of coastalstatesbank.com, which can be found here .”