Climate Risk Intelligence for Lenders
Quantify climate exposure. Price it into lending. Transfer residual risk. Stay compliant.
The Problem
Climate risk is already hitting loan books — most lenders just can't see it yet.
Invisible Exposure
Traditional credit models ignore climate hazards. Lenders discover losses only after floods, droughts, and heatwaves destroy collateral and revenue.
Regulatory Pressure
Central banks are mandating climate risk disclosure. Non-compliance means supervisory action, capital add-ons, and reputational damage.
Unaffordable Incumbents
Enterprise climate analytics platforms are priced for global banks — leaving mid-tier lenders and emerging-market institutions without viable options.
The Solution
One integrated platform. Three capabilities. Complete climate risk management.
Climate Credit Risk
Quantify how climate hazards affect borrower creditworthiness and collateral value. Get portfolio-level risk scores that integrate directly into your lending decisions.
- Borrower-level climate risk scores
- Portfolio exposure analytics
- Integration with existing credit workflows
Parametric Risk Transfer
Transfer residual climate risk through parametric insurance products. Automated triggers, fast payouts, no lengthy claims processes.
- Automated parametric triggers
- Fast, transparent payouts
- Tailored to your portfolio exposures
Regulatory Disclosure
Generate regulatory-ready climate risk disclosures aligned with international standards. Reduce months of manual work to days.
- CSRD/ESRS E1 aligned reporting
- IFRS S2 disclosure support
- Audit-ready documentation
Why CLIMATERATE
Built for the lenders that incumbent solutions leave behind.
3–10x More Affordable
Enterprise-grade climate intelligence at a fraction of incumbent pricing. No six-figure contracts or year-long implementations.
Fully Integrated
Score, insure, and comply from one platform. No stitching together point solutions from different vendors.
API-First Architecture
Integrate climate risk scores directly into your core banking systems, loan origination platforms, and risk dashboards.
Regulatory-Ready
Stay ahead of disclosure mandates. Our platform evolves with the regulatory landscape so you don't have to.
The Clock Is Ticking
Major regulatory deadlines are approaching. Preparation time is running out.
The Central Bank of Kenya requires all regulated lenders to integrate climate risk into governance, strategy, and risk management frameworks.
The EU Corporate Sustainability Reporting Directive requires detailed climate-related disclosures under the European Sustainability Reporting Standards.
Get In Touch
Ready to understand your climate risk exposure? Let's talk.