{"id":9395,"date":"2022-01-18T11:14:26","date_gmt":"2022-01-18T10:14:26","guid":{"rendered":"https:\/\/smeclimatehub.org\/?page_id=9395"},"modified":"2024-12-10T12:03:26","modified_gmt":"2024-12-10T11:03:26","slug":"banks","status":"publish","type":"page","link":"https:\/\/smeclimatehub.org\/fi\/banks\/","title":{"rendered":"Banks"},"content":{"rendered":"<section id=\"block-6481c233e6d49\"  class=\"hero-section align-content-center bg-image default none\">\n\t<div class=\"container\">\n\t\t<div class=\"content\">\n\t\t\t<div class=\"text\">\n\t\t\t\t<div class=\"acf-innerblocks-container\">\n\n<h1 class=\"wp-block-heading\">Banks<\/h1>\n\n<\/div>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"transparent-link\" target=\"_self\" href=\"https:\/\/smeclimatehub.org\/financial-support\/\">\n\t\t\t\t\t\t<span class=\"icon\">\n\t\t\t\t\t\t\t<svg width=\"20\" height=\"13\" viewBox=\"0 0 20 13\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n\t\t\t\t\t\t\t\t<path d=\"M19.0909 7.81876H3.10379L6.09737 11.1117C6.4524 11.5022 6.4524 12.1354 6.09737 12.5259C5.91986 12.7211 5.68719 12.8188 5.45452 12.8188C5.22186 12.8188 4.98919 12.7211 4.81173 12.5258L0.266273 7.52583C-0.088758 7.13536 -0.088758 6.50216 0.266273 6.11163L4.81173 1.11162C5.1667 0.721155 5.74234 0.721155 6.09737 1.11162C6.4524 1.50209 6.4524 2.13529 6.09737 2.52582L3.10379 5.81876H19.0909C19.593 5.81876 20 6.2665 20 6.81876C20 7.37103 19.593 7.81876 19.0909 7.81876Z\" fill=\"var(--sme-secondary-text-color)\" \/>\n\t\t\t\t\t\t\t<\/svg>\n\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<span>\n\t\t\t\t\t\t\tReturn to Financial Support main page\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<ul class=\"logos\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li>\n\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"112\" height=\"59\" src=\"https:\/\/smeclimatehub.org\/wp-content\/uploads\/2023\/10\/Group-6.svg\" class=\"attachment-full size-full\" alt=\"\" loading=\"eager\" \/>\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li>\n\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"220\" height=\"57\" src=\"https:\/\/smeclimatehub.org\/wp-content\/uploads\/2023\/10\/Master-logo-lock-ups_CISL-BEI-2.png\" class=\"attachment-full size-full\" alt=\"\" loading=\"eager\" \/>\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li>\n\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"150\" height=\"60\" src=\"https:\/\/smeclimatehub.org\/wp-content\/uploads\/2023\/10\/bsr-logo-white-1.png\" class=\"attachment-full size-full\" alt=\"\" loading=\"eager\" \/>\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"background-image\">\n\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"1440\" height=\"420\" src=\"https:\/\/smeclimatehub.org\/wp-content\/uploads\/2023\/10\/Rectangle-1252-1.png\" class=\"attachment-full size-full\" alt=\"\" loading=\"eager\" srcset=\"https:\/\/smeclimatehub.org\/wp-content\/uploads\/2023\/10\/Rectangle-1252-1.png 1440w, https:\/\/smeclimatehub.org\/wp-content\/uploads\/2023\/10\/Rectangle-1252-1-300x88.png 300w, https:\/\/smeclimatehub.org\/wp-content\/uploads\/2023\/10\/Rectangle-1252-1-1024x299.png 1024w, https:\/\/smeclimatehub.org\/wp-content\/uploads\/2023\/10\/Rectangle-1252-1-768x224.png 768w\" sizes=\"(max-width: 1440px) 100vw, 1440px\" \/>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t<\/div>\n<\/section>\n\n\n\n<div id=\"block-6481c233e6d86\"  class=\"banner-with-image align-content-top no-image pt-half pb-half\">\n\t<div class=\"container\">\n\t\t<div class=\"content\">\n\t\t\t\t\t\t<div class=\"text\">\n\t\t\t\t\t\t\t\t\t<div class=\"acf-innerblocks-container\">\n\n<p class=\"has-text-align-center has-medium-font-size\">Many banks have made their own <a href=\"https:\/\/www.unepfi.org\/net-zero-banking\/members\/\">commitments<\/a> to reach net zero emissions that include their financing activities. There is mounting pressure from across society for banks to incorporate emissions and other sustainability considerations into lending and investment decisions. As a result, some banks are developing programmes to support businesses to decarbonise, enabling you to find appropriate financial support.<\/p>\n\n\n\n<div id=\"block-6482ead45d0b9\"  class=\"grouped-paragraph\">\n\t<div class=\"acf-innerblocks-container\">\n\n<h3 class=\"wp-block-heading has-text-align-center\">An example of preferential financing<\/h3>\n\n\n\n<p class=\"has-text-align-center has-medium-font-size\">Lloyds Banking Group in the UK is offering discounted lending for green purposes through their <a href=\"https:\/\/www.lloydsbank.com\/business\/commercial-banking\/clean-growth-financing-initiative.html\">Clean Growth Financing Initiative<\/a>. Called a green loan, this is one example of the kind of tailored support you might be able to find in your region to support your investments in sustainable business.<\/p>\n\n<\/div><\/div>\n\n\n<div id=\"block-6482ead45d0c8\"  class=\"grouped-paragraph\">\n\t<div class=\"acf-innerblocks-container\">\n\n<h3 class=\"wp-block-heading has-text-align-center\">What is a green loan?<\/h3>\n\n\n\n<p class=\"has-text-align-center has-medium-font-size\">Green loans incentivise investments by businesses in action that reduces their emissions by offering a discounted interest rate.<\/p>\n\n\n\n<p class=\"has-text-align-center has-medium-font-size\">As banks increasingly make their own net zero commitments, including their lending activities, and we continue to see evidence that sustainable businesses are more resilient businesses, the supply of green loans and other bank offerings looks set to increase.<\/p>\n\n<\/div><\/div>\n<\/div>\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\n<section id=\"block-6481c233e6f2a\"  class=\"text-attachment-section content-block light-bg white left-side image-attachment row pt-half pb-half bigger-image\">\n\t<div class=\"container\">\n\t\t<div class=\"content-block\">\n\t\t\t\t\t\t<div class=\"content\">\n\t\t\t\t<div class=\"text\">\n\t\t\t\t\t\t\t\t\t\t\t<h2 class=\"title-section\">\n\t\t\t\t\t\t\tWho to speak with\t\t\t\t\t\t<\/h2>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"acf-innerblocks-container\">\n\n<p>In the first instance, contact your relationship manager or local bank representative. The person you know best at the bank is a good place to start. Explain what you are looking for and the steps you are aiming to take to reduce your emissions. If they are not best placed to help, encourage them to find a colleague who could help.<\/p>\n\n\n\n<p>Explore banks\u2019 websites for green finance offerings. This can help you understand options available for your business and from there start the conversation with a bank representative.<\/p>\n\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"attachment\">\n\t\t\t\t\t<img decoding=\"async\" width=\"472\" height=\"473\" src=\"https:\/\/smeclimatehub.org\/wp-content\/uploads\/2023\/10\/Rectangle-1289.png\" class=\"attachment-full size-full\" alt=\"\" loading=\"lazy\" srcset=\"https:\/\/smeclimatehub.org\/wp-content\/uploads\/2023\/10\/Rectangle-1289.png 472w, https:\/\/smeclimatehub.org\/wp-content\/uploads\/2023\/10\/Rectangle-1289-300x300.png 300w, https:\/\/smeclimatehub.org\/wp-content\/uploads\/2023\/10\/Rectangle-1289-150x150.png 150w\" sizes=\"auto, (max-width: 472px) 100vw, 472px\" \/>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"button-wrapper\">\n\t\t\t\t\t<a class=\"button bigger\" target=\"_self\" href=\"https:\/\/smeclimatehub.org\/how-to-prepare-for-the-conversation-with-potential-sources-of-financial-support\/\">\n\t\t\t\t\t\tHow to prepare for conversations\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t<\/div>\n<\/section>\n\n\n\n<section id=\"block-6481c233e6fb2\"  class=\"text-attachment-section content-block light-bg white left-side image-attachment heading-left column pt-half pb-half bigger-image\">\n\t<div class=\"container\">\n\t\t<div class=\"content-block\">\n\t\t\t\t\t\t\t<h2 class=\"title-section\">\n\t\t\t\t\tWhat you could ask\t\t\t\t<\/h2>\n\t\t\t\t\t\t\t\t\t\t<div class=\"content\">\n\t\t\t\t<div class=\"text\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"acf-innerblocks-container\">\n\n<p>The aim is to understand what the bank offers and, should they not offer anything, to flag examples from their competitors to ask whether they would consider doing similar. Therefore, key questions to ask include:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Do you offer support for businesses reducing their carbon footprint? For example:\n<ul class=\"wp-block-list\">\n<li>Help to fund investments in new assets or in operational changes that reduce carbon footprints<\/li>\n\n\n\n<li>Advisory services that could help refine the emission reduction action plan?<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li>What information about our emissions reduction plan could help us access finance on improved terms?<\/li>\n\n\n\n<li>Is there working capital support, such as trade finance*, asset-backed finance* or cash management services*, which the bank could offer to help us free up cash to reduce our emissions?<\/li>\n<\/ul>\n\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"attachment\">\n\t\t\t\t\t<img decoding=\"async\" width=\"996\" height=\"432\" src=\"https:\/\/smeclimatehub.org\/wp-content\/uploads\/2023\/11\/wyca.webp\" class=\"attachment-full size-full\" alt=\"\" loading=\"lazy\" srcset=\"https:\/\/smeclimatehub.org\/wp-content\/uploads\/2023\/11\/wyca.webp 996w, https:\/\/smeclimatehub.org\/wp-content\/uploads\/2023\/11\/wyca-300x130.webp 300w, https:\/\/smeclimatehub.org\/wp-content\/uploads\/2023\/11\/wyca-768x333.webp 768w\" sizes=\"auto, (max-width: 996px) 100vw, 996px\" \/>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t<\/div>\n<\/section>\n\n\n\n<section id=\"block-6481ce94cf6da\"  class=\"text-attachment-section content-block light-bg white left-side image-attachment heading-left column pt-half pb-half bigger-image\">\n\t<div class=\"container\">\n\t\t<div class=\"content-block\">\n\t\t\t\t\t\t\t<h2 class=\"title-section\">\n\t\t\t\t\tSample text that you can use when contacting your bank.\t\t\t\t<\/h2>\n\t\t\t\t\t\t\t\t\t\t<div class=\"content\">\n\t\t\t\t<div class=\"text\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"acf-innerblocks-container\">\n\n<p>\u201cWe at [ company ] are a business customer at [ bank name ] looking to find out more about what support you can offer as we look to reduce our emissions and meet a commitment we have made through the SME Climate Hub to reach net zero emissions ([ link to a press release of your net zero commitment if you have one ]).<\/p>\n\n\n\n<p>We are aware that some banks have also made commitments to reach net zero emissions and are offering support for businesses, such as ourselves, that are also looking to take action on climate change. We are keen to speak to someone about what support you may be able to offer.We are currently looking to invest in [ insert the emissions reducing investment you are most interested in investigating ]. We would be keen to discuss this and alternative investment opportunities you think relevant with yourself or a member of your ESG business finance team.<\/p>\n\n\n\n<p><a href=\"https:\/\/smeclimatehub.org\/success-stories\/\">Read about businesses who have successfully found financial support<\/a><\/p>\n\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"attachment\">\n\t\t\t\t\t<img decoding=\"async\" width=\"920\" height=\"364\" src=\"https:\/\/smeclimatehub.org\/wp-content\/uploads\/2023\/10\/Rectangle-1289-1.png\" class=\"attachment-full size-full\" alt=\"\" loading=\"lazy\" srcset=\"https:\/\/smeclimatehub.org\/wp-content\/uploads\/2023\/10\/Rectangle-1289-1.png 920w, https:\/\/smeclimatehub.org\/wp-content\/uploads\/2023\/10\/Rectangle-1289-1-300x119.png 300w, https:\/\/smeclimatehub.org\/wp-content\/uploads\/2023\/10\/Rectangle-1289-1-768x304.png 768w\" sizes=\"auto, (max-width: 920px) 100vw, 920px\" \/>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t<\/div>\n<\/section>\n\n\n\n<section id=\"block-6481ce94cf7b3\"  class=\"financial-support-section content-block light-bg white heading-center pt-half pb-half\">\n\t<div class=\"container\">\n\t\t<div class=\"content\">\n\t\t\t<div class=\"heading\">\n\t\t\t\t\t\t\t\t\t<h2 class=\"title-section\">\n\t\t\t\t\t\tOther sources of financial support\t\t\t\t\t<\/h2>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t<div class=\"acf-innerblocks-container\">\n\t<div id=\"block-6481ce94cf8ee\"  class=\"blocks\">\n\t\t\t\t\t<div class=\"block\">\n\t\t\t\t<div class=\"inner content-block\">\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"image\">\n\t\t\t\t\t\t\t<img decoding=\"async\" width=\"45\" height=\"47\" src=\"https:\/\/smeclimatehub.org\/wp-content\/uploads\/2023\/10\/customers-buyers-1-1.svg\" class=\"attachment-full size-full\" alt=\"\" loading=\"lazy\" \/>\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p class=\"title\">\n\t\t\t\t\t\t\tCustomers (buyers)\t\t\t\t\t\t<\/p>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"link\" target=\"_self\" href=\"https:\/\/smeclimatehub.org\/customers-buyers\/\">\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t\t<div class=\"block\">\n\t\t\t\t<div class=\"inner content-block\">\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"image\">\n\t\t\t\t\t\t\t<img decoding=\"async\" width=\"48\" height=\"47\" src=\"https:\/\/smeclimatehub.org\/wp-content\/uploads\/2023\/10\/grants-1-1.svg\" class=\"attachment-full size-full\" alt=\"\" loading=\"lazy\" \/>\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p class=\"title\">\n\t\t\t\t\t\t\tGrants and other forms of government support\t\t\t\t\t\t<\/p>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"link\" target=\"_self\" href=\"https:\/\/smeclimatehub.org\/grants-and-other-government-support\/\">\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t\t<div class=\"block\">\n\t\t\t\t<div class=\"inner content-block\">\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"image\">\n\t\t\t\t\t\t\t<img decoding=\"async\" width=\"48\" height=\"47\" src=\"https:\/\/smeclimatehub.org\/wp-content\/uploads\/2023\/10\/balanceSheets-investors-1.svg\" class=\"attachment-full size-full\" alt=\"\" loading=\"lazy\" \/>\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p class=\"title\">\n\t\t\t\t\t\t\tBalance sheet and investors\t\t\t\t\t\t<\/p>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"link\" target=\"_self\" href=\"https:\/\/smeclimatehub.org\/balance-sheet-and-investors\/\">\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t<\/div>\n\n<\/div>\t\t<\/div>\n\t<\/div>\n<\/section>\n\n\n<section id=\"block-646dd71e01d2b\"  data-target=\"financial_table\" class=\"financial-support-table-section content-block white light-bg heading-center pt-full pb-full\">\n\t<div class=\"container\">\n\t\t<div class=\"content-block\">\n\t\t\t\t\t\t\t<h2 class=\"title-section\">\n\t\t\t\t\tPotential sources of financial support \u2013 summary table\t\t\t\t<\/h2>\n\t\t\t\t\t\t\t\t\t\t<div class=\"table-wrapper custom-scroll\">\n\t\t\t\t\t<div class=\"table\">\n\t\t\t\t\t\t<table data-target=\"table\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<tr>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<th>\n\t\t\t\t\t\t\t\t\t\t\tStakeholder\t\t\t\t\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<th>\n\t\t\t\t\t\t\t\t\t\t\tMotivation for providing  financial support\t\t\t\t\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<th>\n\t\t\t\t\t\t\t\t\t\t\tExamples of what financial support might be available\t\t\t\t\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<th>\n\t\t\t\t\t\t\t\t\t\t\tExamples of who you could speak with to learn if support offered\t\t\t\t\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t<tr  data-link=\"https:\/\/smeclimatehub.org\/fi\/customers-buyers\/\" data-target=\"pseudo_link\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"45\" height=\"47\" src=\"https:\/\/smeclimatehub.org\/wp-content\/uploads\/2023\/10\/customers-buyers-1.svg\" class=\"attachment-full size-full\" alt=\"\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\tCustomers (buyers)\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t\t<ul>\n<li>Climate commitments by companies that include reducing the emissions of their supply chain<\/li>\n<li>Improve the resilience of their supply chain to new policies aimed to avert climate change or the negative impacts of climate change<\/li>\n<li>Protect supply chain from increased costs associated with carbon, such as \u2018dirty\u2019 energy<\/li>\n<\/ul>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t\t<ul>\n<li>Improved purchasing terms (eg, days receivable reduced so working capital improves for small business)<\/li>\n<li>Access to preferential invoice finance (eg, borrow against outstanding purchase orders to access funds sooner)<\/li>\n<li>Advice and mentoring<\/li>\n<\/ul>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t\t<ul>\n<li>Procurement representative<\/li>\n<\/ul>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t<tr  data-link=\"https:\/\/smeclimatehub.org\/fi\/banks\/\" data-target=\"pseudo_link\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"47\" height=\"47\" src=\"https:\/\/smeclimatehub.org\/wp-content\/uploads\/2023\/10\/banks-1.svg\" class=\"attachment-full size-full\" alt=\"\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\tBanks\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t\t<ul>\n<li>Commitments by banks to support customers to reduce emissions<\/li>\n<li>Reduce the risk and carbon footprint of bank lending<\/li>\n<li>Strengthen relationships and generate business opportunitie<\/li>\n<\/ul>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t\t<ul>\n<li>Working capital solutions, e.g. trade finance<\/li>\n<li>Loans for investments that reduce emissions<\/li>\n<li>Emission calculators and advice<\/li>\n<\/ul>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t\t<ul>\n<li>Relationship manager<\/li>\n<li>Sector specialist (eg, transport)<\/li>\n<\/ul>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t<tr  data-link=\"https:\/\/smeclimatehub.org\/fi\/grants-and-other-government-support\/\" data-target=\"pseudo_link\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"48\" height=\"47\" src=\"https:\/\/smeclimatehub.org\/wp-content\/uploads\/2023\/10\/grants-1.svg\" class=\"attachment-full size-full\" alt=\"\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\tGrants and other forms of government support\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t\t<ul>\n<li>Local, national and international objectives for action on climate change<\/li>\n<\/ul>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t\t<ul>\n<li>Grants to encourage investment in emissions reduction<\/li>\n<li>Discounted lending distributed by a development bank, such as KfW<\/li>\n<li>Access to investors or other sources of funds dedicated to climate action<\/li>\n<\/ul>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t\t<ul>\n<li>Accountant<\/li>\n<li>Local council enterprise officer<\/li>\n<li>Local municipality<\/li>\n<li>Bank<\/li>\n<li>NGOs offering financial support in your area<\/li>\n<\/ul>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t<tr  data-link=\"https:\/\/smeclimatehub.org\/fi\/balance-sheet-and-investors\/\" data-target=\"pseudo_link\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"48\" height=\"47\" src=\"https:\/\/smeclimatehub.org\/wp-content\/uploads\/2023\/10\/balanceSheets-investors-1.svg\" class=\"attachment-full size-full\" alt=\"\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\tBalance sheet and investors\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t\t<ul>\n<li>Lower operational expenditures<\/li>\n<li>Improve the commercial positioning of the business (eg, including alignment with buyers\u2019 climate-related procurement policies)<\/li>\n<li>Investors\u2019 climate objectives<\/li>\n<\/ul>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t\t<ul>\n<li>Self-funded from balance sheet (cash, asset sales, etc.)<\/li>\n<li>New shareholder investment (equity)<\/li>\n<\/ul>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t\t<ul>\n<li>Accountant<\/li>\n<li>Current shareholders<\/li>\n<li>Prospective investors<\/li>\n<\/ul>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/table>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"button-wrapper\">\n\t\t\t\t\t\t<a class=\"button bigger\" download href=\"https:\/\/smeclimatehub.org\/wp-content\/uploads\/2023\/10\/table.png\">Download the summary 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