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.

    Try it with your own document. Right now.

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