Add Climate to Every Credit Decision
Facility-level emissions data for loan origination, collateral assessment, and portfolio monitoring
Climate transition risk is credit risk. Floodlight gives you the asset-level emissions intelligence to assess borrower exposure, value collateral correctly, and monitor portfolio health, all from independently verified satellite data.
Borrower disclosure required
Climate screen turnaround
Covenant monitoring
Countries covered
What keeps you up at night.
Borrower Data Availability
Mid-market and private borrowers rarely disclose emissions. You cannot assess what you cannot measure, and traditional models leave you guessing.
Collateral Valuation Blind Spots
High-emission collateral assets face devaluation as carbon pricing expands. Without facility-level data, LTV ratios may be materially overstated.
Post-Origination Monitoring
Once a loan is booked, there is no ongoing mechanism to track whether a borrower's climate risk profile is deteriorating.
Credit Loss from Transition Risk
Carbon pricing and regulatory shifts can erode borrower creditworthiness overnight. Without climate-adjusted financial modeling, expected loss calculations miss material risk.
Collateral Hazard Exposure
Physical climate hazards - flooding, wildfires, extreme storms - directly impair collateral values and trigger covenant breaches before traditional indicators flag a problem.
Built for how you work.
Pre-Origination Climate Screen
Run satellite-based climate risk profiles on prospective borrowers before commitment. Assess transition risk exposure at the facility level.
Collateral Climate Adjustment
Overlay satellite emissions data onto physical collateral to estimate carbon-adjusted values under different regulatory scenarios.
Covenant Monitoring
Track borrower emissions against sustainability-linked loan covenants with ongoing satellite verification, not annual self-reports.
Portfolio Watchlist Automation
Automated alerts when borrower satellite-observed emissions diverge materially from reported figures or covenant thresholds.
Your workflow, transformed.
You reach out to Floodlight to discuss climate-informed credit analysis for your lending portfolio
Complete our tailored questionnaire covering your loan portfolio, collateral assets, and covenant thresholds
Our team runs satellite overpass data across multiple satellites, targeting your borrowers' facilities and physical collateral
We apply our proprietary methodology alongside your questionnaire data to generate borrower emissions profiles and carbon-adjusted collateral valuations
You receive and review the draft credit risk report with climate scores, covenant tracking baselines, and collateral adjustments
Verification call to walk through the borrower profiles, address questions, and calibrate monitoring thresholds
Final credit risk report delivered with climate-adjusted scores, covenant monitoring setup, and watchlist configuration
Make Climate-Informed Credit Decisions
See how satellite emissions data strengthens loan origination, collateral valuation, and portfolio monitoring.