Capra empowers companies to transform sustainability ambition into financial advantage. By aligning ESG targets, data, and bank expectations, we help unlock lower borrowing costs through sustainability-linked financing – turning progress on ESG into measurable economic value.
ESG becomes a key factor in financing decisions and companies that act early can reduce borrowing costs and strengthen their access to capital. Capra helps translate sustainability ambition into measurable financial value.
Loan margins can be contractually linked to ESG KPIs - sustainability performance can directly increase or decrease interest costs.
Sustainability-linked loans require predefined, measurable targets, which affect financing terms if not met
Banks increasingly assess ESG data quality, influencing credit approval, pricing, and covenants
Inconsistent or weak ESG datacan limit eligibility for ESG-linked financing and reduce potential financial incentives
How we can help
Key concerns our customers are facing:
“Why are banks increasingly linking ESG performance to lending conditions?”
“Can ESG really reduce our interest rate?”
“What ESG targets do banks actually care about?”
ESG factors influence long-term credit risk and are increasingly required to be assessed under sustainable finance regulations.
Yes. Interest margins are contractually adjusted based on the achievement of predefined ESG targets. Meeting agreed KPIs can lead to margin reductions, while underperformance may remove or reverse these benefits.
Banks prioritise quantifiable ESG targets – such as emissions reductions, energy efficiency improvements, or recognised ESG ratings – that can be monitored and linked to financing terms.
The opportunity: How ESG affects borrowing costs
Banks subject to SFDR and sustainable finance frameworks increasingly offer sustainability-linked financing.
How interest reductions are achieved (practical examples)
Use cases
Examples of how our solutions can help your business
How do you select the right ESG reporting/managing software?
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