Green Finance runs origination, loan management and collections for banking and financial services - bundled with Enterprise Sustainability and SYNE Climate Risk Management's continuous scoring and independent asset verification. It's how a green loan's pricing, its covenants and its financed-emissions figure all trace back to the same evidence.
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Each capability draws on the same borrower, asset and risk data - priced, monitored and reported from one place, not five disconnected systems.
Application intake through to risk-based pricing, across every green asset class.
Disbursement, covenant monitoring and portfolio reporting through the life of the loan.
Repayment monitoring, early-warning detection and structured recovery workflows.
Use-of-proceeds tracking and KPI-linked pricing, structured to recognised green taxonomies.
Portfolio-level financed emissions, aligned to PCAF across all seven asset classes.
Independent, ongoing monitoring of the environmental performance behind every green asset.
A loan's origination price, its covenant terms and its financed-emissions figure all draw on the same register - so a green discount is never disconnected from the risk it's supposed to reflect.
Origination pulls directly from SYNE Climate Risk Management's continuous register, so pricing reflects a borrower's actual exposure - not a static credit template updated once a year.
Application intake with automated eligibility checks against green-asset criteria and taxonomy requirements.
Loans structured as use-of-proceeds green loans or KPI-linked sustainability-linked loans, from the same origination flow.
Pricing calculated directly against the borrower's live risk score - not a periodic credit review disconnected from current exposure.
Mortgages, business loans, project finance and sovereign instruments, originated through the same workflow across all seven PCAF asset classes.
A green loan's covenants are only as good as the monitoring behind them - loan management keeps every KPI and repayment schedule live for the life of the facility.
Multi-tranche disbursement scheduled and tracked against milestone completion for project and construction finance.
Sustainability-linked KPIs tracked continuously against target, with automatic flags when a covenant is at risk of breach.
Amortisation, rate resets and margin ratchets managed automatically as KPI performance changes.
Facility-level detail rolls up to portfolio-level views without a separate reporting process.
Collections works from the same risk register as origination - so deterioration in a borrower's risk profile is visible before a payment is actually missed.
Repayment status tracked continuously across the portfolio, with reconciliation against disbursement and interest schedules.
Risk-score deterioration flags accounts for review before a payment is missed, not after.
Structured restructuring workflows that preserve the same covenant and KPI data, rather than starting the loan record over.
Recovery rates and workout timelines analysed against borrower risk profile, to sharpen future underwriting.
A loan is only as "green" as the framework behind it - structuring is built to recognised standards from day one, not retrofitted for an external review.
Proceeds tracked against the stated green use case, with verification evidence attached at the point of drawdown.
Margin ratchets tied to sustainability performance targets, calculated automatically as KPI data updates.
Structuring mapped to recognised frameworks, so a loan's green claim is defensible under external review.
Documentation prepared to support external second-party opinions, rather than assembled after the fact.
This is the same PCAF methodology detailed in Enterprise Sustainability's asset-emissions section - applied directly to the active loan book, not calculated separately at year-end. See the full breakdown, asset class by asset class, on PCAF.
Financed emissions calculated across all seven PCAF asset classes - mortgages, business loans, project finance, sovereign debt and more.
Every position carries a PCAF data-quality score (1–5), so the credit team can see how much of the book relies on estimates.
Borrowers and their suppliers can submit primary data directly, moving positions up the PCAF data-quality hierarchy over time.
Financed-emissions trends visible at book, sector and individual-facility level, without a separate reporting cycle.
A green asset's environmental performance can change after the loan closes. Verification continues for the life of the facility, not just at underwriting.
Satellite and ground-level data from SYNE Climate Risk Management verifies collateral condition without requiring a physical inspection.
The environmental performance underpinning a green asset's status is checked on an ongoing basis, not assumed for the life of the loan.
Monitoring runs on the same refresh cadence as the rest of the platform - not a single appraisal filed away at closing.
Material changes in environmental risk or asset condition trigger a re-valuation flag automatically, not at the next scheduled review.
The same origination and monitoring data supports two distinct outputs - commercial growth for the lending business, and compliance evidence for regulators and investors.
Faster origination, risk-based pricing that rewards genuinely lower-risk borrowers, and a lower cost of capital on the green-labelled portion of the balance sheet.
PCAF-aligned financed emissions, audit-ready covenant records, and collateral verification that stands up to external review.
In a sustainability-linked loan, the margin moves with the borrower's actual performance. See how pricing, financed-emissions intensity and covenant compliance shift as a borrower's sustainability score changes.
A continuously-priced, continuously-monitored green loan book is useful well beyond the credit team that manages it.
Faster origination, risk-based pricing, and a green loan book that's defensible under external review - not just labelled green at launch.
Margin that genuinely improves as sustainability performance improves - a direct financial incentive tied to the same data used for disclosure.
Portfolio-level financed-emissions and covenant-compliance data to evaluate green bonds and securitised green-loan pools.
PCAF-aligned financed emissions and audit-ready lending records, built for the same climate stress-test expectations applied to the wider balance sheet.
Visibility into how much genuinely green lending is flowing into priority sectors, versus loans labelled green without underlying verification.
Independently verified asset condition data to support underwriting decisions on the physical assets behind green loans.
Green Finance isn't a standalone loan system - it's where the rest of the platform's risk, verification and disclosure data becomes a priced financial product.
Continuous physical, transition and supply-chain risk scores feed directly into origination and repricing decisions, with satellite and ground-level monitoring confirming the ongoing environmental performance behind every green asset.
Portfolio-level financed emissions flow directly into the bank's own Scope 3 category 15 disclosure.
Verified origin and custody records support due diligence for cross-border and trade-finance transactions.
SYNE Ratings draws on this same data - kept arm's-length - for ESG and sustainability ratings that inform loan pricing.
Verified climate assets financing a transaction - carbon credits, renewable energy or nature-based projects - are the same assets listed and priced on the Marketplace, not a separate valuation exercise.
For lenders who want it managed rather than self-served, SYNE's Professional Services team can structure and originate the facility directly.
Illustrative examples of Green Finance deployed across banking and financial services.
Challenge: Manual underwriting for green mortgages was too slow to compete on rate, and collateral verification relied on periodic physical inspections.
Automated risk-based pricing and remote collateral verification cut approval time significantly, while giving the credit team ongoing visibility into collateral condition without a site-visit programme.
Challenge: No consistent methodology to calculate financed emissions across a mixed loan book spanning four asset classes.
PCAF-aligned reporting replaced a manual, consultant-led annual exercise with a standing feed the sustainability team could pull from directly.
Challenge: A manufacturer wanted a genuine sustainability-linked loan, but the bank had no way to verify KPI performance without relying on the borrower's own reporting.
Independent KPI verification meant the margin ratchet reflected genuine performance, not the borrower's self-reported numbers.
Challenge: Multi-tranche project finance for renewable energy assets needed milestone-based disbursement tied to verified construction progress.
Disbursement tranches were released against independently verified construction milestones rather than self-certified progress reports.
Once a loan is originated and priced, here's where lenders typically take it next.
Bring your existing loan book - or start from a single asset class. Walk away with a live view of how it prices against real risk data.