---
title: Helping banks turn risky buildings into profitable loans
description: Helping banks and real estate owners transform high-risk, non-compliant properties into profitable investments, at scale.
image: https://netto.eco/hubfs/Netto%20social%20share%20(9).png
---

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# Helping banks turn risky buildings into profitable loans

[![Børge Astrup](https://app.hubspot.com/settings/avatar/30b96e70d6c7aef6c7b42c426fe718fd)](https://netto.eco/en/the-library/author/borge-astrup)

by [Børge Astrup](https://netto.eco/en/the-library/author/borge-astrup)

More than [90% of commercial buildings](https://www.avisonyoung.com/experience/marketing-uk/building-zero/)don’t meet [upcoming energy standards](https://energy.ec.europa.eu/topics/energy-efficiency/energy-efficient-buildings/nearly-zero-energy-and-zero-emission-buildings_en), meaning [trillions in property value](https://www.msci.com/research-and-insights/paper/real-estate-market-size)and capital exposure are at risk. At the same time, the world’s banks hold the key to financing the net-zero transition. But also a responsibility to their shareholders to sustain growth and profit for their bank. 

That’s where Netto comes in.

We help banks transform high-risk, non-compliant buildings into profitable investments with minimal risk, growing their lending and ensuring they stay ahead of evolving regulations.

---

## Built to deliver value where banks need it most

Property management is difficult, whether you have one, one hundred, or one hundred thousand buildings. And we're not here to add to an already massive workload for banks. That's why we designed Netto to slot into how banks already work, and to solve the problems they’re facing right now without adding new ones. 

For example: 

- **Unclear risk profile across and within portfolios**
- **Stagnant lending pipelines**
- **Pressure to meet ESG and compliance targets**
- **Lack of reliable building data**

By digging deeper into a bank's real estate portfolio, we offer real value, analysing performance and gathering data right down to the property level. We use [real energy data](https://netto.eco/en/blog/understanding-estimations-in-financial-emissions-reporting?hsLang=en) when available to help banks understand which buildings are most at risk and how to reduce that risk through targeted upgrades or retrofits, smarter capital allocation, and more strategic lending.

Our platform is built to deliver positive outcomes across multiple teams within a bank. Real estate and lending teams gain clarity on property-level risk and unlock new lending opportunities. ESG and compliance teams benefit from streamlined data and audit-ready reporting. Risk teams can assess transition and physical risks with precision, while relationship managers are equipped to guide clients toward lower emissions, lower costs, and better loan terms.

So for us, it’s not only about emissions (although it's crucial to reduce them). It’s creating value for our customers and their customers. 

---

## The user experience

With Netto, banks and building owners can work together on one platform. Sharing data, setting goals, planning retrofits, and tracking results over time. Because out of sight means out of mind, we know this interface and improved dialogue yield better outcomes for both parties.

![High risk (4)](https://netto.eco/hs-fs/hubfs/High%20risk%20(4).png?width=4000&height=625&name=High%20risk%20(4).png)

Here's how it works in practice: 

Onboarding with Netto is simple and takes under five minutes. The bank sends an invite through the platform, the customer enters their org number, building details, and connects their energy meter. From there, both parties get instant access to key insights like property-level risk scores, PCAF data quality scores, CRREM trajectories, and tailored investment advice. Banks can then access full oversight of each customer,  as well as issue green loan terms directly in the platform with a preset risk preference, set performance goals, and manage unlimited buildings and portfolios seamlessly.

![image (26)](https://netto.eco/hs-fs/hubfs/image%20(26).png?width=2460&height=812&name=image%20(26).png)

The result: 

- Banks get a clearer view of risk, more compliant portfolios, and a larger, more profitable lending book.
- Building owners get practical transition plans, investment guidance, and access to previously unavailable financing.

We also support the full lifecycle of retrofit financing, from identifying the opportunity to managing the risk, to making the connections to ensure the upgrades happen through our energy advisor module.

And because every part of our system is built around data quality and a growing database of properties around the world, both banks and their customers can always log in to get an up-to-date picture of their risk profile, energy performance, and financial conditions. 

---

## Unlocking capital and reducing risk

Much of the capital in commercial real estate is locked up due to poor data and unclear or high-risk profiles. Banks are required to allocate more capital against these loans, making them more expensive to offer or less likely to be made at all.

![High risk (3)](https://netto.eco/hs-fs/hubfs/High%20risk%20(3).png?width=4000&height=625&name=High%20risk%20(3).png)

Netto’s risk scoring helps reduce that exposure. With our growing database of buildings, we're able to produce accurate insights into transition risk, physical climate risk, and nature risk.

---

## Why banks?

Because they’re the point of greatest leverage.

Because banks have a hand in financing the majority of buildings, they can influence the entire built environment through the loans they offer. On the other hand, they also have the most to gain should those buildings be run more efficiently and with reduced exposure.  By giving banks the tools to assess, improve, and finance buildings more effectively, we can scale capital and impact across entire markets, helping lenders grow revenue and reduce downside risk.

And by solving these key challenges, we offer banks a way to lead and not follow the green finance transition.

---

## A global opportunity

The commercial lending market is worth over **$140 trillion** globally. Netto is already working with more than half of Norway’s banks (a ~$560B market), and we’re expanding quickly into the UK, with its ~$5.6T commercial real estate market and a clear appetite for action.

As more regions introduce stricter building performance regulations and reporting requirements, the demand for retrofit financing and data-driven tools will grow.

![Eika banks (5)](https://netto.eco/hs-fs/hubfs/Eika%20banks%20(5).png?width=3750&height=2019&name=Eika%20banks%20(5).png)

---

## The big idea

We built Netto because we saw two truths:

1. The built environment is responsible for around 40% of global emissions.
2. Banks are the best-positioned actors to drive change and make money doing it.

From day one, we’ve focused on reducing emissions by helping financial institutions better understand, manage, and support their property portfolios. We’re here to help them finance the future and grow their business doing it.

![Netto founders (4)](https://netto.eco/hs-fs/hubfs/Netto%20founders%20(4).png?width=1920&height=1081&name=Netto%20founders%20(4).png)

And we’re just getting started.

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[The big questions surrounding England's commercial property sector →](https://netto.eco/en/the-library/englands-commercial-property-faces-uncertain-future-without-efficiency-upgrades?hsLang=en)

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