Colorado C-PACE Financing Calculator

Estimate the monthly payment, potential operating savings and cost of delaying a qualifying commercial roof or building improvement project.

Qualifying existing-building projects may be eligible to finance up to 100% of eligible project costs over terms extending as long as 25 years. Use the calculator below to explore what that could mean for your building and your cash flow.

Improve the building. Preserve your capital.

Run My Estimate

No contact information is required to see your preliminary results.
‍This calculator provides an illustrative estimate and is not an offer of financing.

What Could Your Project Really Cost?

The construction price is only one part of a major building improvement.

A complete evaluation should also consider the financing payment, potential energy and operating savings, avoided repairs and the additional cost of delaying necessary work.

Enter a few basic details to create your preliminary estimate.

Preliminary C-PACE estimate

What Could Your Project Really Cost?

Enter a few details to estimate the financing payment, potential operating savings, and the cost of waiting. No contact information is required to see your preliminary results.

commercial roofing solutions from peak roofing and solar

This Estimate Is Only the Starting Point

Your preliminary results do not account for every factor that could affect the economics of your project.

Depending on your property, project and ownership structure, additional considerations may include:

Verified energy savings
Utility rebates and incentives
Avoided emergency repairs
Potential insurance or resiliency benefits
Eligible project-related expenses
Property-specific tax treatment

Peak Roofing & Solar can inspect your building, refine the project scope and help determine whether pursuing Colorado C-PACE makes sense.

Want to Know What This Could Actually Look Like for Your Building?

Request a property-specific analysis from Peak. We’ll review your roof, potential C-PACE eligibility and the assumptions behind your estimate.

Get My Property-Specific Analysis

Prefer to speak with someone now?
‍Call Peak Roofing & Solar at 720-634-6797

What Is C-PACE Financing?

C-PACE stands for Commercial Property Assessed Clean Energy. It is a state-authorized financing program for qualifying improvements to eligible commercial and other nonresidential properties.

Instead of requiring the owner to pay the full construction cost upfront, a private capital provider finances the eligible improvements. Repayment is secured through a voluntary assessment recorded against the property and collected through the property tax bill.

Qualifying existing-building projects may receive financing for up to 100% of eligible costs, with terms potentially extending to 25 years. This allows owners to preserve cash, working capital and conventional credit for other business priorities.

C-PACE does not eliminate the cost of the project. It changes how and when the improvement is paid for—and allows the owner to consider the payment alongside the benefits created by the work.

Learn more about commercial roof financing in Colorado

How Does This C-PACE Calculator Work?

The calculator begins with your estimated project cost and the financing assumptions shown in the tool. It uses those figures to calculate an illustrative C-PACE payment.

It then considers three parts of the project’s potential economic impact:

Financing cost: The estimated payment associated with the project.
Operating offsets: The energy, maintenance and other recurring savings entered into the calculator.
Cost of waiting: The potential increase in construction cost if the project is delayed.

The result is not intended to predict an exact financing offer. It is designed to help a property owner decide whether the project deserves a more detailed analysis.

How Are C-PACE Payments Calculated?

The estimated payment is based on four primary factors:

Total amount financed
Estimated interest rate
Financing term
Financed fees

The calculator applies a standard amortizing-payment formula and converts the result into a monthly equivalent.

Actual C-PACE assessments may be billed on a different schedule. The monthly figure is provided to make it easier to compare the financing obligation with monthly energy, maintenance and operating savings.

Longer financing terms generally reduce the periodic payment by spreading the cost across more years. However, a longer term can also increase the total interest paid over the life of the assessment

Can C-PACE Finance a Commercial Roof Replacement?

A commercial roofing project may qualify for Colorado C-PACE when it improves the building’s energy performance or provides another eligible program benefit.

A standard like-for-like roof replacement is not automatically eligible. However, a project incorporating improved insulation, reflective roofing materials, air sealing, solar readiness or other qualifying building-performance improvements may be eligible.

Certain resiliency improvements that increase resistance to wind, fire or wildfire may also qualify with appropriate professional support and program approval.

Peak evaluates the condition of the existing roof and the broader building-envelope opportunity. The objective is not simply to replace a failed component, but to determine whether the project can improve the building’s long-term performance.

Get My Property-Specific Analysis

What Commercial Roofing Costs May Be Eligible?

Depending on the project and current program requirements, C-PACE financing may include more than the primary construction contract.

Potentially eligible expenses can include:

Roofing materials and installation
Insulation and building-envelope improvements
Energy audits and feasibility studies
Engineering and design expenses
Commissioning costs
Measurement and verification
Permit fees
Certain financing expenses
Solar or other qualifying improvements installed with the roof

The final eligible amount depends on the project scope, technical review, financing provider and Colorado C-PACE requirements.

How Much of a Commercial Roof Project Can C-PACE Finance?

Qualifying existing-building improvements may receive financing for up to 100% of eligible project costs.

That does not mean every proposed roofing project automatically qualifies for full financing. The property, improvement scope, energy or resiliency benefits, existing debt and financing terms must all be evaluated.

The calculator uses the project cost entered by the visitor to create an initial estimate. Peak can then help determine which portions of the project may qualify and whether additional project-related expenses can be included.

Can Tax Benefits or Incentives Reduce the Effective Cost?

A qualifying building improvement may create potential tax deductions, utility incentives or other economic benefits.

Depending on the project and owner, those considerations could include:

Section 179 expensing
Disposition of replaced building components
Business-interest deductions
Utility rebates
Renewable-energy incentives
Other confirmed project-specific benefits

Tax treatment is separate from C-PACE eligibility and depends on the taxpayer, ownership structure, project and applicable law.

Peak does not provide tax advice. Potential deductions and tax benefits must be reviewed with the property owner’s CPA or qualified tax professional. The calculator does not present those potential benefits as guaranteed savings.

Why Does the Calculator Include the Cost of Waiting?

Delaying a roof or building improvement does not freeze the project at today’s price.

Construction costs may continue increasing while the owner also incurs additional repair expenses, higher energy costs, water intrusion, interior damage or operational disruption.

Waiting can eventually turn a planned capital improvement into an emergency replacement completed on someone else’s schedule.

The calculator applies the selected annual escalation rate to estimate how much the project price could increase during the waiting period. This allows owners to compare the cost of acting now with the potential cost of continued delay.

Get My Property-Specific Analysis

How Accurate Is the C-PACE Calculator?

The calculator provides a preliminary estimate based on the information entered and the assumptions displayed with the results.

It cannot determine final program eligibility, financing terms, construction pricing, energy savings, incentives or tax treatment. A reliable project analysis requires a defined scope of work, building inspection, technical documentation and review by qualified financing and tax professionals.

Use the results to begin the conversation—not as a financing commitment or final investment analysis.

What Does Peak Evaluate During a C-PACE Roof Assessment?

Peak begins with the building and the condition of the existing roof.

The team evaluates:

Current roof condition and remaining service life
Active leaks and recurring maintenance needs
Existing insulation and potential efficiency improvements
Reflectivity and roofing-system performance
Air sealing and related building-envelope conditions
Drainage and moisture concerns
Wind, fire or wildfire resiliency opportunities
Solar readiness and potential roof-mounted systems
Improvements likely to be required over the next several years

Peak then works with the owner to determine what needs to be addressed now, what can reasonably wait and which improvements may support a qualifying C-PACE project.

About This C-PACE Estimate

This calculator was developed to help Colorado commercial property owners understand the potential relationship between project cost, financing payments, operating savings and construction-cost escalation.

The methodology uses:

User-provided project and operating information
Financing assumptions displayed within the calculator
A standard amortizing-payment calculation
User-confirmed operating savings
A compound construction-cost escalation calculation

The calculator intentionally separates the gross estimated payment from potential operating offsets. Tax benefits, incentives and unverified savings are not presented as guaranteed results.

Methodology developed by: Peak Roofing & Solar
Last reviewed: September 2026

Program information: Colorado Commercial Property Assessed Clean Energy Program

Before You Defer the Project, Let Peak Run the Numbers

A major commercial roof or building improvement should not be evaluated solely on its construction price.

Peak Roofing & Solar can help you understand:

What needs to be done
What can reasonably wait
What may qualify for Colorado C-PACE
How the project could be financed
Which operating benefits should be investigated
What the improvement may actually cost after relevant savings are considered

Improve the building. Preserve your capital.

Schedule My Building and C-PACE Assessment

Or call 720-634-6797 to discuss your property.

This calculator provides illustrative estimates for educational and discussion purposes only. It does not constitute an offer of financing or tax, legal, investment or financial advice.

C-PACE eligibility, financing availability, terms, rates and project requirements vary. Existing mortgage or deed-of-trust holders must provide written consent where applicable. Tax treatment depends on the taxpayer, ownership structure and project and should be evaluated by a qualified tax professional. Energy, maintenance, insurance, resiliency and other savings must be confirmed for the specific property and project.

Peak Roofing & Solar does not guarantee program eligibility, financing approval, project savings or tax outcomes.

Colorado C-PACE Financing Calculator

What Could Your Project Really Cost?

What Could Your Project Really Cost?

Your Estimated Project Economics

Want to Know What This Could Actually Look Like for Your Building?

This Estimate Is Only the Starting Point

Want to Know What This Could Actually Look Like for Your Building?

What Is C-PACE Financing?

How Does This C-PACE Calculator Work?

How Are C-PACE Payments Calculated?

Can C-PACE Finance a Commercial Roof Replacement?

What Commercial Roofing Costs May Be Eligible?

How Much of a Commercial Roof Project Can C-PACE Finance?

Can Tax Benefits or Incentives Reduce the Effective Cost?

Why Does the Calculator Include the Cost of Waiting?

How Accurate Is the C-PACE Calculator?

What Does Peak Evaluate During a C-PACE Roof Assessment?

About This C-PACE Estimate

Before You Defer the Project, Let Peak Run the Numbers