Banks & Financial Institutions

    Enable your SME borrowers. Without burdening them.

    The Challenge

    Financial institutions face a structural data gap: CSRD requires PCAF-compliant financed emissions reporting across your loan portfolio, but your SME borrowers — who represent the largest volume of loans — lack the resources to calculate and deliver their own emissions data.

    The result: PCAF data quality scores of 4 or 5 for the majority of your portfolio, audit gaps, and an inability to meaningfully differentiate borrowers by climate risk. Manual data collection doesn't scale, and generic spend-based estimates fail to meet the granularity regulators expect.

    How Simple Helps

    Simple makes emissions data collection fully automated for your borrowers. They upload their existing business documents — invoices, delivery notes, energy bills — and Simple delivers structured, activity-based carbon data that flows directly into your financed emissions calculations.

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

    PCAF-compatible output. Activity-based emissions data at line-item level, with full traceability from source document to emission factor. Structured for integration into your PCAF reporting workflows.

    Portfolio-wide coverage. Scale emissions data collection across your entire SME loan book without proportionally scaling manual effort. Simple processes documents in any language, any format.

    SLL covenant data. For Sustainability-Linked Loans, Simple provides the ongoing emissions monitoring data needed to track covenant compliance — automatically updated 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 account, no credit card — upload an invoice or quotation and see the result in seconds.