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ESG solution points

What Measurabl solves for capital markets participants

Measure, manage, and monitor the environmental risk and operational performance of your real assets.

Lenders

As the world’s largest asset class, real estate may significantly contribute to your risks and opportunities. Measurabl facilitates coordination of CRE-related assets and activities across your loan portfolio. We provide you with environmental impact and localized climate data that can inform strategy, development, target-setting and tracking, loan underwriting and servicing, risk management, financial product innovation and climate disclosures. Measurabl supports all property types, with the exception of single-family residential.

Borrowers

The pressure to align corporate business models with climate solutions has intensified. Whether due to investor pressure, tenant demand, or regulatory compliance, ESG drives corporate action and access to capital. Measurabl empowers you to easily communicate your ESG performance to the capital markets and take advantage of the rapidly growing sustainable finance market

Insurers

Commercial property insurers know that ESG and climate-related issues are increasingly driving risks and opportunities. Measurabl facilitates coordination across commercial properties, arming you with environmental impact and localized climate data that can inform underwriting, strategy development, target-setting and tracking, product innovation, and climate disclosures. Measurabl supports all property types, with the exception of single-family residential. 

Set targets and track progress toward sustainability and climate-related goals

Determine which buildings within your portfolio are heavy emitters, which buildings are ahead of goal and how to support your commercial real estate customers or borrowers with innovative finance and insurance products to support their transition to a net zero carbon footprint.

Cross-portfolio targets (expected 2021) will allow you to apply core real estate environmental metrics- i.e., energy, carbon, water and waste—and customizable target and baseline years, to buildings across your portfolio. Asset-level and portfolio-level impacts can be verified and tracked over time.

How Measurabl works for CRE Lenders & Insurers

Measurabl can automatically populate building certifications like LEED and BREEAM, as well as ESG-related building regulations (for U.S. only at this time), and will provide detailed physical climate risk exposure based on the property addresses you provide for bulk upload. These can span your entire CRE portfolio; all buildings within your corporate real estate clients’ portfolios, your firm’s corporate offices, or any combination or subset of these.

Measurabl’s full set of functionalities is unlocked as you work with your customers/borrowers to bring them onto the Measurabl platform to sync and share their building(s) utility data with you, providing deep insights into the actual operational performance (energy, water, waste, carbon) of your CRE exposure. Measurabl data is owned and permissioned by CRE owners – your corporate, commercial and business borrowers and customers.

enterprise level ESG

Important features for capital market participants

Access an ESG data integration platform specifically designed for the real estate sector, set and manage ESG and climate targets across your organization, and analyze trends and disclose results to internal and external stakeholders

Data Collection

Automate collection of building certifications and ESG-related regulations (U.S. only at this time) across your loan portfolio instantly upon upload of property addresses, size, and type.

Value Add for Clients

Share Measurabl with your borrowers or clients as a tool to improve their ESG performance and transform your Scope III carbon footprint, sustainable finance business, and risk management capabilities

Data Quality

Gain access to actual environmental impact metrics pulled directly from utility providers and run through advanced algorithms to resolve any data anomalies, gaps or overlaps

Climate-Related Contingent Liabilities Tracking

Track climate risk data and building emissions regulations relevant to your portfolio and gain insight into these risks and contingent liabilities

Targets

Establish portfolio or organization-wide climate targets and analyze progress

Reporting

Compile ESG and climate data and generate customizable sustainability reports for internal and external stakeholders

Lender Solutions

Commercial Banking- CRE Lending
With new building emissions regulations like NYC’s Local Law 97, we’re aware that fines associated with carbon emissions could impact the value of our collateral and the ability of our borrowers to repay their loans. We’re looking for a way to track these contingent liabilities.

We’re keenly aware of the recent introduction of new building emissions regulations like NYC’s Local Law 97.

 

Measurabl geolocates buildings and identifies assets in a portfolio that must comply with local ordinances. Measurabl maintains a “library” of mandated targets and indicates whether a building is impacted. You are able to identify heavy-emitting buildings and track their progress in reducing their carbon footprints.

 

We’ll be delivering capabilities soon to track the potential financial risk exposure associated with compliance / non-compliance with the regulation.

We recently issued a green bond and want to tie our use of proceeds to green loans for the real estate sector.

Measurabl can help identify which loans in your portfolio are eligible green projects under your green bond framework. You can target high-performing buildings by certification level or actual energy or water consumption benchmarked against peers.

Measurabl offers a platform for customer engagement and data collection that can add value for both you and your borrowers. Further, Measurabl can help identify top and bottom performing buildings based on energy and water consumption and carbon emissions. Actual operational performance before and after energy efficiency interventions can also be observed.

 

Cross-portfolio targets (expected 2021) will allow you to apply core real estate environmental metrics- i.e., energy, carbon, water and waste—to all building collateral across your loan book- and customizable target and baseline years. Asset-level and portfolio-level impacts can be verified and tracked over time. 

Investment Banking - Securitization & Sustainable Debt Underwriting
Investor demand for sustainable and green investment products has grown rapidly in recent years. Innovation in structured products is a space we’re exploring.

Measurabl can help you identify underlying properties for inclusion in new types of sustainable structured products (e.g. “green” CMBS). Granular, asset-level data and benchmarking allow for pooling based on the ESG characteristics you want to highlight. Properties can be filtered by building certification, rating, and relevant regulation and compared based on actual energy and water consumption and carbon emissions.

Our corporate real estate clients tell us that data aggregation is their greatest impediment to green bond issuance.

Measurabl provides auditable impact metrics pulled directly from utility providers (via Utility Sync) backed by digital bills. We also assure clients will have the data collection, tracking and disclosure capabilities needed to support sustainable debt issuance.

We are a global leader in sustainable debt underwriting. We work with clients and investors in every major market in the world. Is Measurabl a U.S.-centric platform?

Measurabl provides flexible currency, space and impact units of measurement to serve diverse issuers and real estate portfolios as well as global investor preferences. Measurabl can aggregate physical climate risk data across your portfolio globally. We also pull electricity, water and waste data directly from thousands of utilities providers across 75 countries.

CSR and Corporate Real Estate
We have made a significant commitment to reduce the ecological footprint of our operations over the next decade. Our building operations are a major focal point. How can we improve and manage the data and disclosure required to meet our commitment?

Measurabl is an easy-to-use SaaS platform that centralizes and consolidates all environmental and climate data on your buildings. You can easily identify buildings with inefficient performance and make data-driven improvements. You can also input qualitative data such as sustainability projects and building certifications. And you can provide your entire team access to the platform, assign roles to each collaborator and export data and reports for internal and external stakeholders on demand.

Risk and Compliance
In an effort to continue improving our risk management function, our organization is looking into ways to integrate and better manage ESG and climate risks.

Measurabl supports ESG integration at loan origination and due diligence, as well as the ongoing ESG monitoring (environmental servicing) throughout the life of a loan. Measurabl customers can also view the types of climate-related risks and degrees of risk that specific properties face to better assess these threats before and after lending decision-making.

Disclosure frameworks like the TCFD, PCAF and Principles for Responsible Banking recommend strategy alignment with the Paris Agreement and tactical impact metrics and targets.

Measurabl enables customizable target-setting and tracking on building energy, water, waste and carbon, and is developing these capabilities for cross-portfolio, institution-wide goal setting, monitoring, and carbon accounting related to real estate exposure.

How do we determine and manage transition and physical climate risks associated with our exposure to real estate?

Measurabl presents the data underlying transition and physical risks associated with real estate. Measurabl geolocates buildings and identifies assets in a portfolio that must comply with local ordinances (regulations). This, coupled with actual operational performance (energy and water consumption, carbon emissions and waste), provides insight into transition risk exposure. Measurabl has developed asset-level physical climate risk scores via direct integration with  Four Twenty Seven, a leading publisher of data and analysis related to physical climate and environmental risks. This centralized platform for dynamic ESG and climate data on buildings is unique to Measurabl.

Investment Management

See our solutions for building owners

Borrower Solutions

What does our sustainability performance have to do with access to capital and financing terms?

There is an ample body of academic literature that indicates strong sustainability standards result in lower cost of capital at the corporate level. These findings are global, cross sectoral and applicable to both equity and debt. Real estate-specific studies have also concluded that REITs with more environmentally efficient portfolios have lower corporate bond spreads. Similar findings at the asset level indicate significantly lower mortgage spreads associated with buildings certified by ENERGY STAR and LEED.

In addition to empirical evidence within the standard corporate bond and mortgage markets, debt specifically tailored to ESG standards is taking off. According to Bloomberg, green bond issuance reached USD $271 billion in 2019, up 49% over 2018.

 

Green and sustainability-linked loans have further opened the market to borrowers that may be unable to raise debt in the capital markets and/or seek more flexible credit structures. Lenders are offering corporate and mortgage loans with interest rate margins that are pegged to ESG ratings or positive environmental impacts.

We have no problem accessing capital at low interest rates. Are there other benefits to issuing green or sustainable debt?

Green bond issuers cite investor base diversification as one of the primary benefits of issuance. Investor demand for sustainable investments has thus far outstripped supply, and Morningstar reports 2019 sustainable fund flows were up nearly 4 times those in 2018, totaling $20.6 billion available to US investors.

 

SRI-focused investors may be attracted to the sustainable debt issues of REITs and property companies even if they were previously unfamiliar with the company.

 

Green bond or other sustainable debt issuance can also be an effective way to communicate your company’s values and commitment to sustainability goals and climate-related targets.

Our organization is considering issuing a green bond. How can we leverage Measurabl to create a more seamless process?

Measurabl makes it easier to issue  green bonds by automating data aggregation and providing auditable impact metrics pulled directly from auditable impact metrics pulled directly from utility providers (via utility sync) backed by digital bills. Measurabl also alerts subscribers to data quality issues, tracks green building certifications and core ESG metrics for real estate (actual energy and water consumption, waste and carbon), and generates customizable reports. Measurabl’s target tracking functionality can be aligned with energy, carbon, water or waste diversion reduction targets outlined in your green bond framework or prospectus to assess and verify the progress of your eligible green projects.

Insurer Solutions

Product Innovation
We want to contribute to the transition to a low carbon economy through our insurance products and customer relationships.

Measurabl offers a platform for customer engagement and data collection that can add value for both you and your customers. Further, Measurabl can help identify top- and bottom-performing buildings based on energy and water consumption and carbon emissions. Actual operational performance before and after energy efficiency interventions can also be observed.

 

Cross-portfolio targets (expected 2021) will allow you to apply core real estate environmental metrics—i.e., energy, carbon, water and waste— and customizable target and baseline years—across your property insurance portfolio. Asset-level and portfolio-level impacts can be verified and tracked over time.

Measurabl provides auditable impact metrics pulled directly from utility providers (via Utility Sync) backed by digital bills. Our AI-driven data analytics scan for information gaps, overlaps, anomalies, etc., and alert users to resolve data quality issues. 

We are a global leader in property insurance underwriting. We work with clients and investors in every major market in the world. Is Measurabl a U.S.-centric platform?

Measurabl provides flexible currency, space and impact units of measurement to serve diverse issuers and real estate portfolios as well as global investor preferences. Measurabl can aggregate physical climate risk data for your portfolio globally. We also pull electricity, water and waste data directly from thousands of utilities providers across 75 countries.

CSR and Corporate Real Estate
We have made a significant commitment to reduce the ecological footprint of our operations over the next decade. Our building operations are a major focal point. How can we improve and manage the data and disclosure required to meet our commitment?

Measurabl is an easy-to-use SaaS platform that centralizes and consolidates all environmental and climate data on your buildings. You can easily identify buildings with inefficient performance and make data-driven improvements. You can also input qualitative data such as sustainability projects and building certifications. And you can provide your entire team access to the platform, assign roles to each collaborator and export data, and reports for internal and external stakeholders on demand.

Cross-portfolio targets (expected 2021) will allow you to apply core real estate environmental metrics—i.e., energy, carbon, water and waste— and customizable target and baseline years—across your property insurance portfolio. Asset-level and portfolio-level impacts can be verified and tracked over time.

Risk and Compliance
We’re looking for ways to better integrate, forecast, and price ESG and climate risks for the properties we insure. How can Measurabl further our efforts?

Measurabl supports ESG and climate-related risk integration during underwriting and ongoing monitoring of commercial property coverage. Our platform offers data points around building certifications, energy and water consumption and spend, carbon emissions, and physical climate risk exposure, among others.  Measurabl also provides analytics like target setting and tracking.

Cross-portfolio targets (expected 2021) will allow you to apply core real estate environmental metrics—i.e., energy, carbon, water and waste— and customizable target and baseline years—across your property insurance portfolio. Asset-level and portfolio-level impacts can be verified and tracked over time.

Disclosure frameworks like the TCFD recommend strategy alignment with the Paris Agreement and tactical impact metrics and targets.

Measurabl enables customizable target-setting and tracking on building energy, water, waste and carbon, and is developing these capabilities for cross-portfolio, institution-wide goal setting, monitoring, and carbon accounting related to real estate exposure. 

How do we determine and manage transition and physical climate risks associated with our exposure to real estate?

Measurabl presents the data underlying transition and physical risks associated with real estate. Measurabl geolocates buildings and identifies assets in a portfolio that must comply with local ordinances (regulations). This, coupled with actual operational performance (energy and water consumption, carbon emissions and waste), provides insight into transition risk exposure. Measurabl has developed asset-level physical climate risk scores via direct integration with Four Twenty Seven, a leading publisher of data and analysis related to physical climate and environmental risks. This centralized platform for dynamic ESG and climate data on buildings is unique to Measurabl.

white paper

Measurable Impact for Sustainable Finance

measurabl in action

Investment-grade ESG Data for Commercial Real Estate

Pure benchmark is a powerful tool

Our benchmark on carbon, energy consumption, water consumption and waste combined with target tracking can show exactly how the asset or portfolio is performing relative to peers

An environmental data management platform

The Measurabl platform aims to simplify and streamline the sustainability recording process for commercial real estate owners and it is now making inroads in Europe

ESG and best practice solutions for real estate

Sara Anzinger, Senior Vice President, Capital Markets, Measurabl, Bärbel Schomberg, Partner, Kingstone Investment Management and Christiane Conrads, Head of German Real Estate Desk, PwC Legal AG discuss the new thinking