Banks & Financial Institutions

    Improve your PCAF SME Score.

    The Challenge

    CSRD and ESRS E1 have made financed emissions a mandatory disclosure, and PCAF the standard banks use to report them. The challenge is concentrated where a lot of your relationships sit: your SME borrowers. They lack the sustainability teams, the data, and the budget to calculate their own Scope 1, 2, and 3 — so the data simply doesn't arrive. The downstream effect is familiar to every sustainability and risk team: PCAF data quality scores of 4 and 5 across the bulk of the portfolio, auditor questions you can't fully answer, and no defensible way to price climate risk into individual loans. Manual outreach doesn't scale, and spend-based proxies are losing credibility with both regulators and auditors.

    How Simple Helps

    Simple automates emissions data collection for your borrowers and investments. They upload the business documents they already have — invoices, energy bills — and Simple returns structured, line-item Scope 1, 2, and 3 data that flows directly into your financed emissions calculations. Output is aligned with the GHG Protocol Corporate Value Chain (Scope 3) Standard, with a full audit trail from source document to emission factor.

    Zero burden for borrowers. No sustainability expertise required. No ERP integration. No questionnaires. Your SME clients upload the documents they already produce, and Simple handles the rest.

    PCAF-aligned output. Activity-based emissions data at line-item level wherever the source data allows it, with a logged fallback only where it doesn't — and full traceability from source document to emission factor at every step. Structured for direct integration into your PCAF reporting workflows.

    Portfolio-wide coverage. Scale emissions data collection across your entire SME loan book without scaling manual effort. Simple processes documents across the major European business languages and standard invoice formats.

    SLL covenant monitoring. For Sustainability-Linked Loans, Simple provides the ongoing emissions data needed to track covenant compliance — refreshed automatically as borrowers upload new documents.

    Regulatory Alignment

    • PCAF Part A (3rd Edition) — Activity-based data that supports improved data quality scores for financed emissions
    • CSRD / ESRS E1 — Emissions data at the granularity required for European sustainability reporting
    • EBA GL 2025/01 — ESG risk management data for loan portfolio climate risk assessment
    • Green Asset Ratio — Better data quality enables more accurate classification of green vs. non-green exposures
    • Sustainability-Linked Loans — Ongoing emissions monitoring for SLL covenant management

    Get Started

    See how Simple can improve your portfolio's emissions data quality. Book a demo to discuss your PCAF reporting needs.

    Trusted Standards

    Built on globally recognised standards, ensuring every calculation is defensible, transparent, and ready for audit. Underpinned by industry-leading datasets including GHG Protocol and ecoinvent — ensuring accuracy and trust in every calculation.

    GHG Protocol
    ISO 14044
    ISO 27007
    Ecoinvent

    Three steps. Zero guesswork.

    From raw invoices & quotations to carbon intelligence — report the past, see the now, plan the future.

    Full methodology
    01

    Upload any business document

    Invoices, BOMs, quotations, energy bills — past purchases for compliance reporting, open offers for forward planning.

    02

    AI matches to best available factor

    Each line item is classified and matched to the most specific emission factor available — manufacturer PCF, EPD, or recognised background database. Geography-specific, version-logged, auditable.

    03

    Intelligence — backward and forward

    Compliance reports from invoices. Indicative carbon exposure from quotations. Supplier benchmarks to act on — not just numbers to file.

    Built for your reality — regulatory and operational.

    Compliance reporting from past documents. Carbon exposure forecasting from quotations. Both, from the same platform.

    Industrial & Manufacturing

    Full Scope 1, 2, and 3 — plus forward-looking carbon exposure from supplier quotes. Automated vendor consolidation keeps your supplier data clean.

    CSRD · ESRS E1Scope 1 · 2 · 3ETS cost forecastingVendor consolidation
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    Banks & Financial Institutions

    Enable your SME borrowers to deliver emissions data automatically — at no meaningful burden to them. Better portfolio data for financed emissions and SLL covenants.

    PCAFEBA GL 2025/01SLL EnablingGreen Asset Ratio
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    SMEs & Mid-Market

    Your large customers need your emissions data to complete their own reporting. Simple gives you the answer — no Excel, no specialist knowledge, no heavy process.

    Supply chain requestsCustomer CSRD dataNo ERP needed
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    ESG Consultants

    Deliver Scope 3 data collection across your client portfolio faster — with multi-entity management and white-label options. Simple scales with your practice.

    Multi-clientWhite-labelPartner programme
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    Construction & Real Estate

    Carbon decisions happen at tender stage. Simple processes quotations and BOMs to put indicative CO₂e — including ETS cost exposure — into every bid comparison before you commit.

    Quotation processingEPD integrationLEED · BREEAMEU Taxonomy
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    SaaS & E-Invoicing Platforms

    Embed carbon intelligence directly into your invoicing or accounting product via API. Your users get GHG Protocol-compliant CO₂e data on every document they process — automatically, with no added workflow.

    Public REST APIWhite-label readyPer-line-item outputAny language/format
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    Resources

    Stay ahead of what's coming.

    Curated research on CSRD, PCAF, and supply chain emissions — updated regularly.

    Browse full library

    Try it with your own document. Right now.

    No credit card required — upload an invoice or quotation and see the result in seconds.