Download the "Impact Lending" Playbook

April 25, 2025 — 3 min read

Written by

Jamie Burink

Connect on LinkedIn

Listen to article | 0:00

The sustainable transition is very complex - it touches all aspects of environment, society and economy. Take for example assessing the sustainability of an SME.

Financial institutions have a vital role to play in the transition, but turning ESG ambitions into practical lending decisions is easier said than done.

Summary

This whitepaper explores how banks and lenders can incorporate environmental and social goals directly into SME lending. It introduces concepts like the Sustainability Credit Risk Score (SCRS), outlines ways to adjust lending acceptance frameworks, and explains how to support underserved SMEs rather than exclude them. Real-world examples and impact-focused propositions provide guidance for how to build lending products that move the needle.

Banks have the power to accelerate the sustainable transition - especially through SME lending. But translating ESG ambitions into real credit decisions isn't always straightforward. This playbook helps you move from theory to action with strategies tailored to the realities of SME finance.

SMEs account for more than 50% of global employment and turnover, and are the main driver of growth and innovation, however they are currently financially underserved, and sustainability factors don’t exactly improve the situation. This state of affairs is holding back the transition to a sustainable economy.

Download the SME Impact Lending Playbook and start aligning your credit strategy with ESG goals.