Solve data gaps in lender portfolio financed emissions

Experian has a practical solution to calculate financed emissions related to commercial lending portfolios. These provide a robust repeatable approach to set a baseline and for ongoing monitoring.

ESG Insights is a new tool that fills the ESG data blind spot for the UK’s 5m SMEs, both limited and unlimited. It gives you a far clearer and more accurate view of the financed emissions and ESG risks hidden in a portfolio. ESG Insight allows lenders to take a big step towards including climate change and broader ESG matters in the heart of decision-making. 

The pragmatic SME emissions data solution

Get a more accurate, actionable view of climate risk in your SME portfolio with individual Greenhouse Gas (GHG) emissions and ESG profiles for every UK SME with Experian ESG Insight. Readily accessible data, for the first time, delivering an ESG and GHG emissions profile for every SME in your customer portfolio, to help you meet your regulatory requirements to report and actively manage this increasingly important measure of risk. Experian ESG Insights provides 11 ESG and emissions attributes for every SME backed by Experian’s trusted business reference data.

  • Every UK SME has an ESG Insight profile.
  • Complements corporate ESG disclosure data.
  • Backed by Experian trusted BusinessView and credit bureau data. 

Available via API or as batch enhancement, ESG Insight is refreshed quarterly. It allows lenders to calculate, manage and report on their downstream customer emissions levels – accurately, easily and fast.

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  • Free Demo -
  • Available via batch or API, Instant Access, On prem/Bureau , Plug and play
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The benefits at a glance

Report on SME portfolio emissions and calculate financed emissions with a stable, repeatable, robust methodology

Re-define policy rules to hit financed emissions targets and ESG goals and minimise climate-related risk while minimising revenue impact

Benchmark portfolios on ESG factors and emissions; by product, brand, over time, and against the full UK SME population

Use insight to drive development of new products for SMEs that reduce theirs and your emissions footprint

Target individual SMEs with green finance needs

Model the impact of sustainability-linked loans

Target engagement with customers on sustainability and social impact issues

Image for - Financed emissions: Closing the SME carbon data gap

Financed emissions: Closing the SME carbon data gap

To meet their climate goals, lenders need accurate emissions data from their business customers. Yet most companies in their portfolios are small and medium-sized enterprises that are currently unable to provide this information.

We outline how this problem is hampering carbon reduction efforts and introduce Experian’s solution: a detailed emissions profile for every single SME in the UK.

Frequently asked questions

All UK SMEs (97% of business population), both Ltd and Non-Ltd.

It is an expert, rule-based model using multiple data sources trained against the government’s published emissions summary data, using a top-down and bottom up approach to derive a company’s ESG performance.

Aggregated data on SMEs from Experian, Public Business Directories, Companies House, Public Registers, Open Government Data, Specialist Data providers, Web-harvested Data alongside macro and statistical data from BEIS, DEFRA, DVSA, HMRC, SMMT the ONS.

Matching algorithms reliably link an SME record to Experian’s BusinessView, containing ESG Insight, with any combination of Business Name, Address and CRN.

Via Batch or API and is refreshed quarterly to adjust with firmographic and input reference data changes.

Get in touch to find out how ESG Insight can help your business

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