
When you pay upfront with your own capital, you benefit from zero ongoing commitments, credit applications, or financial disclosures. However, projects are subject to yearly capital budgets and internal return-on-investment requirements that complicate project approval. Paying upfront with your own capital is best if your business has minimal capital restraints.





By financing energy equipment with a lease-to-own model, you enter a three- to five-year term that makes your ESG solution available with minimal upfront costs. Lease-to-own payments are predictable and easy to plan into your budget. However, this model requires a credit application and term commitment. Lease-to-own is ideal if your business is confident in the project’s return and wants to preserve capital for other immediate investments.
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Commercial property-assessed clean energy (CPACE) is a borrowing model with a fixed payment structure based on the property tax bill. CPACE is usually a 20- to 25-year term that is linked to the property and not the property’s owner, meaning it can transfer upon sale. CPACE is available without upfront costs or credit applications. You may consider a CPACE if you’re looking for low costs and are willing to commit to a longer payback period. C-PACE is also a favored financing vehicle for longer payback energy projects.