Climative builds low carbon plans
three people at a bank looking at a laptop using the Climative platform for carbon reporting

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

We process 1M+ buildings daily with 100% coverage to add new regions rapidly. 6M+ building assessments are already on the Climative platform.

Proprietary AI creates personalized home upgrade plans for every home in your portfolio, customizable to prioritize emissions, energy use, resilience measures, and comfort.

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.

PCAF-accredited to meet data quality level 3, proven in projects with industry-leading banks using the proprietary Automated Carbon Model (ACM™).

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

Top 10 Bank

This Top 10 North American Bank validated Climative’s data quality (PCAF DQ3) and found it delivered actionable insights, like identifying high-emitting buildings or homes in climate risk zones.

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.

EfficiencyOne

EfficiencyOne found that Climative’s digital-first approach to home energy assessments yields 4X click rate from homeowners, 9X program enrolment, 9.5/10 satisfaction, up to 93% accuracy.

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.

Ian McLeod Climative VP Product

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