Turn Climate-Aware Lending Into a Profitable Growth Engine
Manage climate risk, unlock new lending opportunities, and guide homeowners to more affordable, comfortable, and resilient homes. A PCAF-accredited partner.
Portfolio Risk Reduction with Building-Level Insights
Speed and Scale
We process 1M+ buildings daily with 100% coverage to add new regions rapidly. 6M+ building assessments are already on the Climative platform.
Unique Home Upgrade Plans
Proprietary AI creates personalized home upgrade plans for every home in your portfolio, customizable to prioritize emissions, energy use, resilience measures, and comfort.
Targeted Offers
Use our apps to put offers and services directly in front of engaged homeowners, identifying them early and providing them with the support they need.
Validated Data Quality
PCAF-accredited to meet data quality level 3, proven in projects with industry-leading banks using the proprietary ACM™.
Loan Origination
Make informed lending decisions by layering reliable climate data: emissions, energy use, resilience, and even retrofit scenarios.
Our Data Layer Uncovers the Hidden Loan Opportunity Locked Away in Every Home
Access a low-risk, high-value customer segment
Upgraded homes are less risky and more valuable. But most lending workflows don’t identify or support these homeowners early enough.
Target offers that save money, cut emissions, improve resilience
Upgrades like heat pumps, insulation, and sump pumps deliver up to $6,700 in annual homeowner savings, protect against physical risk, and cut up to 260 tons of CO2e.
Create a differentiated lending strategy around energy transition
Address-level insights and proven customer-facing tools help lenders target the right homes, offer smarter products and advice, and reduce portfolio risk.
Case Study Showcase
Scotiabank
Scotiabank launched a new Home Energy and Advice Tool, powered by Climative, offering homeowners personalized advice on energy efficient upgrades.
Top 10 Bank
This Top 10 Bank validated Climative’s data quality (PCAF DQ3) and found it delivered actionable insights, like identifying homes in climate risk zones or high-emissions properties for upgrades.
Vancity
Vancity, Canada’s largest credit union, validated Climative’s data quality (PCAF DQ3) and sought to use these insights for net-zero progress tracking and strategy, risk management, and targeted engagement.
Our Approach: An Upgrade Plan Every Building
Building Blocks
AI Models
Assessment Data
Geospatial Awareness
Building ledger for tracking
Home Upgrade Plan
Energy Use, Carbon Score, Climate Risk Info
Retrofit Recommendations
Energy, Carbon & Financial Impacts
Pre-Matched Rebates, Offers, and Services
Ian McLeod
Let's Talk.
Speak with our VP Product to discuss licensing our building-level data and engaging homeowners with our apps.