C‑PACE — the unfamiliar name that’s now serious money in commercial property financing

C‑PACE — the unfamiliar name that’s now serious money in commercial property financing
Once-obscure energy conservation lending program breaks out in deal surge

A $465 million C-PACE financing deal for The Geneva, an office-to-residential conversion in Washington, D.C., was said to be the largest transaction of its kind in U.S. history. (CoStar)
https://www.costar.com/article/522945674/c-pace-the-unfamiliar-name-thats-now-serious-money-in-commercial-property-financing


A wave of major commercial real estate deals are incorporating financing that lets owners spread energy conservation costs across long-term property tax payments, a practice that is gaining acceptance from more state governments across the country.

Developers, lenders and local elected officials are seizing on commercial property assessed clean energy financing, known as C-PACE, thrusting it into the heart of U.S. commercial real estate. They say the tool has moved from niche alternative to standard practice in a convergence that rarely happens quickly in commercial real estate finance.

C-PACE lets commercial property owners finance energy efficiency, renewable energy, water conservation and resiliency improvements in a fixed-rate assessment paid through taxes rather than the borrower's balance sheet. Financing is often priced at about the 10-year Treasury rate plus 3%, with repayment spanning up to 30 years and transferring in a property sale, eliminating refinancing risk for lenders and cutting upfront costs for owners.

Legislation enabling C-PACE financing is now active in 40 states plus Washington, D.C., with Georgia and New Jersey among the latest to launch. Efforts are also underway in Arizona to enable the financing. That's according to PACENation, a nonprofit organization supporting the funding arrangement nationwide.

"In 2025, C-PACE shifted from niche to mainstream," Rafi Golberstein, CEO and founder of PACE Loan Group, one of the nation's first direct C-PACE lenders, told CoStar News. "Originations grew significantly, reaching a record $3.5 billion by most industry estimates, as awareness expanded among owners, lenders, and institutional investors. Deal sizes increased materially, with financing sizes frequently exceeding $100 million."

Other industry professionals contacted by CoStar News estimated 2025 C-PACE lending volume at even higher levels.

The numbers reflect a tool that has outgrown its origins in the municipal or state financing of solar panels and energy retrofits to become useful for backing real estate developments more broadly. Deals now span resorts, senior housing, hotels, office conversions, ground-up luxury residential projects and data centers — a range that would have been unthinkable for C-PACE a decade ago.

How C-PACE works

The capital the program generates is cheaper than other forms of financing that carry greater risk for investors but offer higher returns, such as a combination of debt and equity or preferred equity. C-PACE offers lower fixed interest rates, ranging from 5% to 8% compared to 10% to 14% for riskier financing that typically requires bringing in equity partners, according to professional services firm Citrin Cooperman.

Lower interest rates, combined with the need for less equity, help lower the overall weighted average cost of capital, according to Olivia Lueckemeyer, a director at Lone Star PACE, the Texas statewide program administrator.

The increased adoption of C-PACE isn't universal. Lueckemeyer noted that year-over-year transaction volume in Texas was slightly muted, attributing the slowdown to a cautious approach among developers navigating monetary policy uncertainty, geopolitical concerns and questions about the impact of tariffs on construction costs.

"The combination of these factors kept many in a wait-and-see mode, which delayed the closing of several deals," Lueckemeyer said.

Still, Eric Alini, CEO of the CounterpointeSRE affiliated with MassMutual that deals with C-PACE, framed the structural advantage plainly: "For building owners, C-PACE delivers long-term capital priced lower than mortgages or construction loans. By pairing with a construction mortgage, property developers are able to reduce the overall cost of capital on projects compared to a construction-only" financing arrangement.

Filling the gap when senior debt falls short

C-PACE commands attention because it solves one of commercial real estate's most persistent problems: how to fund large-scale capital improvements when senior debt is constrained and equity is expensive. When interest rates are elevated for a sustained period, the program has filled financial gaps that have derailed otherwise viable projects.

"With long-term rates elevated and banks hesitant in lending for construction and transitional assets, borrowers need reliable alternative capital," said Jared Schlosser, head of originations and C-PACE for Peachtree Group. "C-PACE offers flexible structuring that aligns with business plans, and that versatility is driving demand."

In Las Vegas, Peachtree closed a $176.5 million retroactive C-PACE loan for Dreamscape Cos.' recently renovated 2,520-room Rio Hotel and Casino — the largest credit transaction in Peachtree's history and one of the largest C-PACE deals ever completed nationally.

The deal "reflects both the growing acceptance of C-PACE and its ability to solve complex capital stack challenges in today's market," Schlosser said.

Golberstein described property financial restructurings, or recapitalizations, as one of the most consequential emerging use cases.

"Owners are using it to restructure existing capital stacks, refinance properties, and reduce senior leverage as traditional debt remains constrained," Golberstein said. "Lenders are utilizing PACE to refinance their exposure to a borrower or an asset class."

Record-breaking deals signal institutional arrival

C-PACE's ascent is evident in several significant deals in 2025. Nuveen Green Capital originated what became the two largest C-PACE deals ever closed.

The first was a $465 million C-PACE financing for The Geneva, an office-to-residential conversion in Washington, D.C. — a deal called the largest C-PACE transaction in U.S. history. Mavik, a credit-oriented investment firm, provided an accompanying $110 million senior loan, bringing total project financing to $575 million.

The project, sponsored by Philadelphia-based developer Post Brothers, is set to transform a 604,000-square-foot office complex in an affluent part of Northwest Washington into a 15-story residential building with 429 market-rate units, 42 extended-stay rentals and 61 affordable housing units, plus 57,000 square feet of commercial space.

Months earlier, Nuveen Green Capital closed a $290 million C-PACE loan for Pendry Hotel and Residences, a new 38-story mixed-use luxury condominium and hotel tower in downtown Tampa, Florida's Riverwalk District. At the time, it was touted as the largest U.S. C-PACE transaction and the first ever in Tampa. The project combines a 220-key Pendry Hotel with 200 luxury residential condominiums.

"2025 was an extraordinary growth year for C-PACE, with Nuveen Green Capital originations alone topping well over $2 billion," said Aaron Kraus, managing director and head of market development and strategy at Nuveen Green Capital. "While these large-scale transactions signal that C-PACE has achieved mainstream adoption, we continue to finance projects across asset classes and finance plenty of smaller and medium-scale projects as well."

The industry has evolved beyond explaining what C-PACE is to clearly demonstrate how it can benefit property owners and developers as a key component of their capital stack, Kraus added.

"The lender community has grown in comfort with the C-PACE structure, and the relative novelty and newness of the financing has given way to broad acceptance and understanding," he said.

New geographies, asset classes

The expansion of C-PACE by geography and property type has been equally striking. In Kansas City, Missouri, Patmos Hosting, a provider of internet infrastructure and data center services, secured a $100 million C-PACE loan from PACE Loan Group to continue converting the former Kansas City Star building into a 421,112-square-foot multiuse office campus aimed at artificial intelligence firms.

When infrastructure upgrades are completed this spring, the facility is expected to feature 35 megawatts of power capacity for high-density, high-performance computing. One megawatt can power roughly 700 houses, depending on the climate.

Patmos Hosting CEO John Johnson said conventional financing was simply not adequate for the project's ambitions.

"Conventional bank financing hasn't yet caught up to an understanding of AI campus value," he said. "But nobody had tried C-PACE for this purpose, so we knew it would be a fit for Patmos. We're proud to have built the first assessed clean energy AI campus in the world, and it certainly won't be the last."

In New York, CounterpointeSRE made history by closing the city's first-ever new-construction C-PACE financing: a $156 million loan to Bungalow Projects and Bain Capital Real Estate for Echelon Studios, a purpose-built production hub with 10 soundstages for episodic film and digital content, designed to meet Ultra Low Energy Building standards — a drastic reduction in energy consumption up to 90% better than code.

New Jersey's C-PACE program, launched over the summer, also notched its inaugural transaction. Island Waterpark at Showboat — a 120,000-square-foot water park and entertainment complex adjacent to Bart Blatstein's Showboat resort in Atlantic City — secured a $45.5 million C-PACE loan through PACE Loan Group to recapitalize the construction debt used to build the facility.

In Arizona, state Rep. Chris Lopez is leading legislative efforts to establish C-PACE, one of just a handful of states that have yet to implement the financing.

Senior lenders move from skeptics to partners

Perhaps the most consequential development of 2025 was not any single deal but a structural shift: senior lenders moving from cautious acceptance of C-PACE to active collaboration around it.

Barings, one of the world's largest diversified real estate investment managers, teamed with CounterpointeSRE to provide $113 million in senior construction financing alongside $60 million in C-PACE to Pearl Properties for Harper Square, a 267-unit luxury apartment development in Philadelphia's Rittenhouse Square neighborhood — at the time, the largest C-PACE financing in Pennsylvania.

"I think Barings and CounterpointeSRE have done a really great job of combining C-PACE and mortgage capital into a product that approximates a single-source execution but achieves a better cost of capital for our borrowers while delivering strong returns to our clients through a more efficient capital structure," said Justin Preftakes, Barings' head of construction lending. "We expect to see continued demand as the market becomes aware of the efficiency of this product."

A similar integrated approach played out in Celina, Texas, north of Dallas, where Aquarian Real Estate Partners provided senior construction financing alongside $23.5 million in C-PACE from PACE Equity — an independent provider in which Aquarian holds a strategic investment — for JPI's Jefferson Ownsby complex, a 436-unit, Class A, garden-style multifamily development.

For JPI, a national multifamily firm with more than 35 years in the business, the deal was a first.

"Previously, we had struggled to find senior lending partners who were open to utilizing C-PACE financing in the capital stack, so finding a turnkey solution with Aquarian and PACE Equity was very attractive to us," said Aaron Douthit, JPI's vice president of development. "We expect to utilize C-PACE financing in more of our developments going forward and are actively reviewing terms on multiple deals right now."

The road ahead: more records, states, use cases

Industry observers point to several factors sustaining C-PACE momentum. Large-balance deals that once attracted skepticism from senior lenders are now closing with lender consent in place. State legislatures continue to authorize new programs and broaden existing ones. And developers facing a constrained debt market increasingly view C-PACE as a primary component of the capital stack rather than a last resort.

Some states are actively expanding the tool's flexibility. Florida recently amended its rules to allow C-PACE proceeds to fund improvements dating back to a project's inception.

"We are very optimistic about the trajectory of this year," Lone Star PACE's Lueckemeyer said. "The rate cut in December of 25 basis points, plus signals from the Fed that there could be two additional rate cuts this year, have instilled a level of confidence among developers. We are already expecting to see half of the volume we did last year completed in the first quarter of 2026."

Peachtree's Schlosser offered a blunt summary of why the momentum is unlikely to slow: "The main factors behind demand are still in place. Long-term rates are still high, banks are cautious about lending, and a lot of debt will soon mature. These conditions mean there will be a steady need for capital and flexible financing options."

Hotel execs bullish on transaction market opening up in 2026
K-shaped US economy continues to favor luxury segment


https://www.costar.com/article/1164393927/hotel-execs-bullish-on-transaction-market-opening-up-in-2026?


ATLANTA — Hotel executives speaking at the Hunter Hotel Investment Conference have been bullish on the transaction market in years past, but panelists at the 2026 event believe all of the stars are aligning for the breakthrough to finally happen.

Robert Webster, vice chairman and president of CBRE Hotels Institutional Group, said this is the second-best opportunity to buy a hotel over his 30-plus year career. He said debt is becoming cheaper, which should help the value of properties on the sell side.

"Anytime there's a spike in risk to investment, typically, rates will go down not up, and if rates go down, it will help hotel values, and probably really help with the transaction market," he said.

Another big topic on the first day of the Hunter Conference: The K-shaped U.S. economy that reflects the spending gap between wealthier consumers and those more affected by macroeconomic forces that tighten spending. This bifurcation results in more favorable performance among luxury and higher-end hotels, with declining performance along the lower ends.

It's still a prevalent trend, said Tourism Economics President Adam Sacks, but one in which the U.S. hotel industry can "survive and even thrive," he said.

"More than half of consumer spending on travel" comes from those people on the high end of the spectrum, Sacks added.

Quotes of the day

"I think a lot of investors, vendors, market participants have done their best to bury their head in the sand ... meaning if you don't have to do something, don't do something. And that has just continued to kick the can and kick the can, and now we're at a point where a lot of those groups — doesn't matter which side of the table you're sitting on — you've kicked the can kind of as far as you can and now things have to happen."

— Brian Waldman, chief investment officer at Peachtree Group, on the transaction environment hitting its breaking point when it comes to transactions.

"I want to make a case for optimism."

— Adam Sacks, president of Tourism Economics, pointed to positives including moderating prices on consumer goods, wage growth happening above the rate of inflation and an overall pro-growth economy as factors encouraging better hotel performance in 2026.

Editors' takeaways

Is this the year the transaction market finally explodes and we see a wave of sustained hotel deals occur? Executives at the Hunter Hotel Investment Conference certainly seem to believe so.

We've heard optimism in the transaction market picking up at the past few Hunter conferences — understandably so, as uncertainty in the economy derailed prior attempts. But this time, it feels like it truly is at a breaking point.

Even with more and more uncertainty added to the market every day, there's a timing element to this and the fundamentals seem to be improving.

A few panelists mentioned that hotel lenders are tired of kicking the can down the road on loans. Debt is getting cheaper. Hotel values are rising on the sell side.

Maybe this is finally the moment.

— Trevor Simpson, staff writer/staff editor

Follow Trevor on LinkedIn.

The halls of the Signia by Hilton Atlanta Georgia World Congress Center buzzed with energy on the opening day of the 2026 Hunter Conference, partly because of the event's new venue, but mostly with a steady optimism. Brokers, owners and advisers are determined to unlock hotel transactions at all levels. Yes, demand for high-end luxury hotels is strong and buyer and seller expectations are closing the bid-ask gap. But as hotels across the other chain scales face the choice to renovate or refinance, brokers seem to think selling will get much more attractive.


Fusion Hotel Group acquired by SC Capital Partners

Suchad Chiaranussati’s acquisition moves him closer to creating a Pan-Asia hospitality management platform.


https://www.hotelinvestmenttoday.com/Deals/Mergers-and-Acquistions/Fusion-Hotel-Group-acquired-by-SC-Capital-Partners?


VIETNAM – Fusion Hotel Group, a wellness-inspired hospitality brand and management company based in Ho Chi Minh City, has been acquired by Suchad Chiaranussati, founder and chairman of SC Capital Partners, Singapore. Terms of the deal were not disclosed.

Founded in 2008, Fusion Hotel Group has 18 operating properties and approximately 3,000 keys across Vietnam and Thailand under HMAs and franchise agreements with a secured pipeline of over 2,000 keys. In December 2025, Fusion said it was on track to expand to 50 properties across the Asia-Pacific by 2028. In addition to hotel management, Fusion has also developed and operated branded residences, a rapidly growing segment in Asia Pacific.

“We remain open to selectively pursuing lease structures where it makes strategic sense, particularly for flagship locations that can further strengthen the brand,” Fusion CEO Christopher Hur told Hotel Investment Today.

Hur, who will remain as CEO, said Vietnam remains Fusion’s core market, where the hospitality sector continues to grow rapidly and where Fusion has built a very strong brand reputation.

“We currently see a healthy development pipeline and are targeting at least four to five new signings per year,” Hur continued. “Our immediate focus will be to continue expanding across all key areas of Vietnam while also growing selectively in regional markets.”

Fusion recently announced the signing of Fusion Resort Maldives, marking what Hur called an important step in extending the brand internationally. “In addition, we are working closely with our related companies in Indonesia and Japan, where we see meaningful opportunities to expand Fusion’s presence.  Korea is also a key priority market,” he said, adding that they are seeing and remain interested in additional management company platform and portfolio opportunities.

Hur also said the response from Fusion hotel owners has been very positive and supportive. “Many view this as a strong endorsement of the platform and believe the partnership will further strengthen Fusion’s ability to grow the brand and deliver value to owners,” he said.

SC Capital Partners also owns Hotel Management Japan (HMJ), one of Japan’s largest hotel operators, and Indonesian hotel operator Topotels Hotels & Resorts.

In November 2024, Singapore’s CapitaLand Investment Limited acquired 40% of SC Capital Partners for $214 million (S$280 million) and at the time planned to acquire the remaining stake in phases over the next five years, giving it full ownership by 2030. CapitaLand Investment said it would also invest at least $400 million to support the growth of SC Capital Partners.

A big reason for this acquisition was it gave CapitaLand Investment a maiden entry into Japan’s REIT market. At the time, SC Capital Partners’ Japan Hotel REIT was the second largest hospitality REIT listed in Japan.

Together, Fusion, HMJ and Topotels will comprise approximately 16,000 keys across four growth markets, supported by a team of more than 100 hospitality professionals.

“Investment in Fusion reflects our long-term strategy to expand our hospitality footprint across Asia,” Chiaranussati said. “Fusion offers a meaningful presence in Vietnam—one of the region’s fastest-growing and high-barrier-to-entry hospitality markets. It reinforces our conviction that strong operating platforms are increasingly essential to successful real estate investing. We’re excited to integrate Fusion with our leading teams in Japan and other markets as we build a top-tier pan-Asian hotel management business.”

Hur added, “Joining Mr. Chiaranussati’s hospitality ecosystem opens up tremendous opportunities for Fusion. This partnership allows us to accelerate our growth across Asia, leverage shared focus areas of technology and marketing and distribution, and invest further in brand development and talent—strengthening our mission to deliver exceptional hospitality experiences.”

Just last week, Fusion opened the Grand Royal Riverside Hue – Fusion Collection, a luxury hotel located in the heart of Hue City in central Vietnam.

SC Capital Partners brings more than 20 years of hospitality investment and asset management experience across Asia Pacific and is the sponsor of Japan Hotel REIT Advisors (JHRA), which manages the largest listed hotel REIT in Japan by hotel value. Through JHRA, the platform oversees 78 hotels comprising more than 22,000 rooms nationwide.

HMJ is one of Japan’s largest hotel operators with 26 hotels and over 8,000 keys across 11 prefectures. HMJ operates its own flagship brand, Oriental Hotels & Resorts, and provides white-label management services for global hotel companies such as Hilton, Marriott and IHG.

The broader platform is further supported by Topotels Hotels & Resorts, an Indonesia-based hotel management company with a growing portfolio across Indonesia.



Hotels are losing out on wellness revenue. Here’s how to fix it.

https://hotelsmag.com/news/hotels-are-losing-wellness-revenue-to-places-theyve-never-heard-of-heres-how-to-fight-back/


Hotel owners are meticulous about tracking their competitive set. They know exactly what the property down the street is charging for a king room on a Tuesday in March. But many have never heard of the properties that are quietly winning some of the most valuable bookings in hospitality: wellness retreats. 

Across Costa Rica, Guatemala, Greece, France and dozens of other destinations, a distinct category of hospitality property has emerged. These are not traditional hotels, and they are not short-term vacation rentals. They are purpose-built retreat centers attracting high-value group bookings from wellness facilitators, corporate buyers and travelers seeking something most hotels do not yet offer: a fully programmed, transformational experience. 

A Market Hotels Are Not Watching

The numbers tell a clear story. The Global Wellness Institute’s 2025 report valued the global wellness economy at a record $6.8 trillion, with wellness tourism growing 13.8% year over year. The wellness retreat segment alone was valued at roughly $226 billion in 2024, with analysts projecting growth to nearly $400 billion by the end of the decade. The corporate retreats market, valued at $31.8 billion in 2024, is expected to more than double to $73.7 billion by 2034, according to Allied Market Research. 

Much of this demand is flowing through channels hotels are not connected to. Platforms like Retreat.guru and BookRetreats aggregate thousands of retreat experiences globally, and the facilitators who lead these programs typically book directly with retreat centers rather than through traditional hotel distribution. Wellness travelers also spend significantly more than average: the GWI reports that international wellness travelers spend 41% more, and domestic wellness travelers spend 175% more than their non-wellness counterparts. 

What Retreat Centers Get Right

The retreat centers capturing this business are not rustic yoga camps. Many are sophisticated properties with beautifully designed spaces, farm-to-table dining and price points that rival luxury hotels. What distinguishes them is their willingness to operate in ways that most hotels have not yet considered. 

Retreat leaders choose these venues because they offer flexible buyout structures, communal dining that fosters connection, integration of outside programming into the property experience and a collaborative relationship with facilitators rather than a transactional one. They are not simply renting space; they are co-creating experiences. For a hotel accustomed to rigid food-and-beverage minimums and siloed wellness amenities, this represents a fundamentally different model of hospitality delivery. 

How Hotels Can Compete and Collaborate

Hotels do not need to become retreat centers to capture this business. They need to understand what this market values and meet it with the operational assets they already have. Many boutique and independent properties are sitting on exactly the kind of inventory retreat leaders need: beautiful spaces, professional food-and-beverage operations, strong service culture and locations that lend themselves to restorative experiences. 

The shift starts with how hotels think about mid-week and shoulder-season inventory. A wellness retreat booking fills rooms during low-demand windows, generates food-and-beverage revenue across every meal period and introduces the property to a new audience of wellness-minded travelers who may return independently. Building retreat-friendly packages, partnering with experienced facilitators and connecting with wellness-focused travel advisors can open a distribution channel most hotels have never explored. 

Hotels also bring advantages that many retreat centers do not have. Professional revenue management, brand recognition, loyalty programs and operational scale all give hotels an edge once they decide to enter this space. The opportunity is not to displace retreat centers, which play a vital and growing role in the wellness ecosystem, but to expand the overall market by giving retreat leaders, corporate buyers and wellness travelers more high-quality venue options. 

The Window Is Open

Hotels have spent the past several years investing in wellness amenities: better fitness centers, sleep programs, mindfulness apps on in-room televisions. These investments matter. But amenities alone do not capture a traveler whose primary reason for booking is a wellness experience. That traveler is choosing between a yoga retreat in Bali and a breathwork weekend in the Catskills, and right now, most hotels are not even in the consideration set. 

The retreat economy is not a niche trend. It is a demand segment worth hundreds of millions of dollars, growing at nearly double the rate of the broader tourism market. The hotels that move first to welcome it will be the ones that see it on their bottom line.




DUHC&S | Strategic Hospitality Consulting & Advisory

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