Quick Start Guide: TX-PACE Financing Made Easy

This TX-PACE Financing Quick Start Guide helps Texas property owners understand each stage of the process. Follow five steps to check eligibility, select your project team, prepare an application, close financing, and complete your upgrades.

Step 1: Check Eligibility & Define Your Project

• Who can use PACE: Commercial, industrial, and multi-family properties in participating Texas communities.
• Use our Eligibility Check Tool to see if your property qualifies.
• Decide which energy or efficiency upgrades you want.

Step 2: Choose Your Lender & Service Providers

• Browse our Service Provider Directory for potential contractors, lenders, ITPRs, or providers of other helpful services.
• Need help finding a lender? We can help! 
• Select qualified contractors and independent third-party reviewers (ITPR) to verify your project. 

Step 3: Prepare Your Application & Get Approvals

• Gather required documents using our Required Documents Checklist.
• If you have a mortgage, obtain lender consent using our Template and guidance.

Step 4: Pre-Construction Verification & Loan Closing

• ITPR verifies your project meets PACE standards before work begins (Pre-Construction Verification Certificate).
• Work with your lender to finalize and close your PACE loan.

Step 5: Install & Verify Upgrades

• Contractors complete your energy or efficiency upgrades.
• ITPR confirms the work meets PACE standards (Post-Construction Statement of Compliance).

Tip: TPA guides you from start to finish—helping you navigate, protecting your property, and ensuring your project qualifies for PACE financing. Feel free to reach out to us any time at admin@texaspaceauthority.org.