Netto

Core Features

Netto takes a data-driven, finance-oriented approach to decarbonisation by embedding climate insights directly into lending workflows. It links building level performance data with financial metrics, enabling banks to evaluate risk, compliance, and investment potential within a single system. Some of its main features are:

• Climate & Transition Risk Assessment: Evaluates physical and transition risks tied to property portfolios using structured data and risk scoring.

• Green Loan Eligibility Insights: Identifies which assets qualify for green financing and supports structuring of sustainable loan products.

• Data Collection & Standardisation: Aggregates and verifies building-level energy and emissions data to improve decision-making and reporting accuracy.

• AI-Driven Upgrade Recommendations: Suggests energy efficiency and retrofit measures aligned with both technical feasibility and financing criteria.

• Portfolio Monitoring & Goal Tracking: Tracks energy performance, emissions reduction goals, and progress toward net-zero targets across assets.

• API Integration & Workflow Embedding: Integrates into banking systems and customer journeys to support scalable, ESG-aligned lending processes.

Closing Insights

Netto is positioned within the emerging category of climate fintech platforms that connect financial institutions with real estate decarbonisation efforts. Its focus on commercial property lending reflects the growing regulatory and financial pressure on banks to address emissions tied to their loan books, particularly as buildings account for a significant share of global emissions.

The platform has been used in collaboration with financial institutions such as DNB, including participation in the DNB NXT Accelerator. While its primary users are banks, the platform also supports property owners by providing access to financing insights and structured transition plans, addressing both financing and operational carbon reduction needs.

A CRREM license partner, recent developments on the platform highlight expansion beyond Norway into broader European markets, alongside continued refinement of its API-driven architecture and data capabilities. By linking emissions data with lending decisions, Netto differentiates itself from traditional carbon accounting tools, offering a pathway for institutions to align profitability with decarbonisation.