Frequently Asked Questions
The Business Problems The Disruption House Solves
What is the non-financial data gap, and why does it matter for regulated businesses?
Mid-market companies – the suppliers, borrowers and counterparties that sit at the heart of every value chain – have the legal right not to disclose key governance, sustainability and operational data. Most exercise that right. This leaves banks, insurers and corporates making consequential decisions about risk, resilience and compliance with a critical blind spot. The Disruption House (TDH) exists to close that gap by providing unique, curated and reliable non-financial data on UK mid-market companies – turning opaque into transparent.
Why can't banks and insurers rely on existing data providers to assess mid-market risk?
Traditional data providers focus on listed companies that are required to publish structured ESG and financial data. Mid-market private companies have no such obligation, so their risk profiles are invisible to conventional tools. Existing solutions – where they exist at all – are expensive, slow, often survey-based and inconsistent in quality. TDH delivers comparable, verified intelligence at a fraction of the cost in minutes, not days.
What decisions are banks making without the data they actually need?
Banks extend credit, monitor portfolios, onboard SME clients, allocate capital, and prepare regulatory reports – all based on their understanding of private-company risk. Yet for mid-market businesses, the sustainability, resilience, and governance data banks need to make those decisions well simply hasn’t existed in a usable form. This creates credit risk, regulatory exposure and missed commercial opportunities. TDH changes that.
How does the non-financial data gap affect insurers specifically?
Insurers are under growing pressure from frameworks like SFDR, TNFD and ORSA to price risk with greater confidence across their portfolios. But the sustainability and operational resilience data on private-market insured counterparties and suppliers is fragmented, survey-driven and non-comparable. This makes it difficult to benchmark exposures, model non-financial risk drivers, or produce defensible regulatory disclosures. TDH provides the structured, consistent data insurers need – without waiting for companies to self-report.
Why is supplier sustainability screening so broken for large corporates and banks?
Most supplier screening today relies on questionnaires and surveys. But supplier survey fatigue is rampant – response rates can be extremely low. Existing tools like EcoVadis charge both sides, burden suppliers with significant cost and effort, and still fail to provide comprehensive, comparable coverage. TDH takes a fundamentally different approach: we collect, score and structure publicly available data on suppliers – delivering a no-touch screening solution that requires zero supplier engagement.
What regulatory pressures are driving the urgent need for better mid-market data?
Across financial services, regulatory obligations are intensifying: sustainability reporting requirements, climate transition risk assessments, supply chain due diligence laws and AML/compliance onboarding standards all require firms to know more about the private companies in their portfolios and supply chains. As public sentiment on ESG evolves, the underlying need for resilience and governance data is only growing. TDH delivers the intelligence regulated firms need to meet these obligations cost-effectively.
Is the data gap a UK-specific problem, or does it affect global businesses?
The data gap is a global structural problem, but it is most acute in markets where mid-market private companies are economically significant and disclosure requirements are limited. TDH currently focuses on the UK market, where hundreds of thousands of companies below the £100m turnover threshold operate largely unseen by the data infrastructure that regulated businesses depend on. Expansion into Europe, Asia and the Middle East is coming soon.
How is TDH different from a consultancy or an ESG ratings provider?
TDH is not a consultancy. It is a Risk and Resilience Intelligence business – a data provider. Unlike ESG ratings providers that focus on listed companies and rely on company self-disclosure, TDH gathers data on companies that have the right not to disclose, curates it for how regulated industries actually work, and delivers it at a speed and price point no advisory firm can match.
What types of companies does TDH cover?
TDH focuses on UK mid-market companies – typically private businesses with under £100 million in annual turnover. These are the suppliers, borrowers and counterparties that sit at the core of bank lending books, insurer portfolios, and corporate supply chains, yet almost never publish the non-financial data that their counterparts need. TDH measures over 120 metrics across this universe, covering environmental, governance, operational resilience, and certification data.
What happens to regulated businesses that continue to rely on incomplete mid-market data?
The consequences are significant and compounding. Banks underwriting worse risks without knowing it. Insurers unable to credibly disclose regulatory exposure. Corporates facing supply chain disruptions, compliance failures, or reputational damage from suppliers they thought they knew. As data obligations tighten and scrutiny increases, firms that rely on incomplete intelligence are building consequential decisions on foundations they cannot defend. TDH closes that exposure.
TDH Data - The Intelligence Platform
What is TDH Data and what does it provide?
TDH Data is TDH’s core intelligence platform. It gathers, curates, and delivers non-financial data on UK mid-market companies across more than 120 metrics – covering sustainability, operational resilience, governance and certifications. Delivered via a self-service dashboard or available by API, the data is designed to be decision-ready for banks, insurers and corporates who need to assess risk and resilience across their mid-market portfolios and supply chains without waiting for companies to self-report.
How does TDH Data gather information on companies that don't disclose publicly?
TDH uses a combination of proprietary data gathering techniques and public data sources to build profiles on mid-market companies that typically choose not to disclose structured non-financial information. Rather than relying on questionnaires or self-certification, TDH’s team – which combines commercial expertise with technical data capability – goes and gets the data. The result is coverage that no aggregator or survey platform can replicate, delivered consistently and cost-effectively.
What metrics does TDH Data cover across its company universe?
TDH measures over 120 metrics on UK mid-market companies. These include environmental data (energy intensity, emissions proxies, physical risk exposure), governance indicators, operational resilience signals and certification data including five ISO and corporate body certifications. For regulated clients, TDH can align its metric coverage to a client’s specific vendor code of conduct or risk framework, enabling targeted, relevant screening without unnecessary data noise.
How quickly can TDH Data deliver intelligence on a mid-market company?
TDH targets delivery at a speed and price that conventional data providers cannot match – aiming for company-level intelligence in minutes, not the 24-hour or multi-day turnaround of existing high-cost providers. This speed matters for onboarding, real-time portfolio monitoring and regulatory reporting functions where waiting days for a single data point creates operational bottlenecks.
How does TDH Data compare to EcoVadis and other supplier screening tools?
EcoVadis and similar platforms are survey-driven and charge suppliers to participate, creating inequitable access and low response rates. TDH Data takes a no-touch approach: we gather and score data from public sources without requiring any supplier action. This eliminates survey fatigue, removes the cost burden from SME suppliers and delivers consistent, comparable coverage across entire portfolios – not just the suppliers willing and able to participate.
Can TDH Data be accessed via API for integration into existing systems?
Yes. TDH Data is designed to be delivered via API, enabling banks, insurers and corporates to integrate sustainability, resilience and governance data directly into their own platforms, workflows, and risk models. Dashboard visualisations – currently powered by Amazon QuickSight – are also available for clients who want rapid visual access to portfolio-level and supplier-level insights before or alongside a full API integration.
How does TDH ensure the data it delivers is reliable and not an 'AI hallucination'?
Data is gathered, curated and verified by a team that understands the commercial stakes of the decisions being made by regulated clients. The methodology is consistent and structured – not generated from probabilistic models. The result is data that clients can use in credit decisions, regulatory disclosures and underwriting without the interpretability risk that comes from AI-generated outputs.
Who within a bank or insurer would typically use TDH Data?
TDH Data is most directly relevant to Heads of Sustainability and ESG, Sustainable Finance teams, Client Onboarding and AML/Compliance functions, Chief Actuaries, Portfolio and Capital Management teams, and Regulatory Reporting functions. These are roles who face the sharpest consequences of missing non-financial data – and who are most motivated to replace fragmented, manual processes with reliable, scalable intelligence.
What does a TDH Data output actually look like for a portfolio of suppliers?
For a portfolio of suppliers, TDH delivers a scored dashboard showing performance across the metrics aligned to a client’s vendor code of conduct or risk framework. Individual company profiles are generated automatically. Clients can see at a glance which suppliers present red flags, which meet baseline requirements, and which certifications are present or absent – across their entire supplier universe, without a single questionnaire being sent.
disruptmyenergybill - Energy Cost Intelligence for UK SMEs
What is disruptmyenergybill?
disruptmyenergybill is TDH’s energy intelligence platform for UK SMEs. It is designed to expose the hidden costs, commissions and overcharges embedded in business energy contracts – and help companies reduce what they actually pay. Built for energy-intensive businesses in retail, hospitality and beyond, it gives SMEs the same level of commercial transparency that large corporates take for granted, at a price and speed that works for smaller businesses.
Why is there a data gap specifically in business energy?
Business energy contracts are opaque by design. The commissions that energy brokers earn are embedded within the unit rates businesses are charged – they are not disclosed, not itemised and not negotiated. Most UK businesses sign contracts without knowing how much of their bill is profit margin for an intermediary. This information asymmetry systematically disadvantages SMEs, who lack the internal energy expertise or market data to identify when they are being overcharged.
How many UK businesses are unknowingly overcharged on their energy bills?
Based on TDH’s research, approximately 8 in 10 UK businesses are unknowingly overcharged on energy. This is not a fringe issue – it is structurally embedded in how the business energy market operates. Energy brokers who act as intermediaries between businesses and suppliers are incentivised to maximise the commission embedded in the contract rate, not minimise the cost to the business. Without independent data, businesses have no way of knowing whether they are on a fair rate.
Can disruptmyenergybill actually save my business money on energy?
Yes. disruptmyenergybill is designed to identify overcharges, expose commission inflation, and give businesses the intelligence to negotiate better contracts or switch to more transparent supply arrangements. It is designed for UK businesses who spend at least £50,000 on energy. Want to know for sure? Use our Energy Savings Calculator to estimate how much you can save.
Where does the '8 in 10 UK businesses are unknowingly overcharged on energy' data point come from?
The data comes from data compiled by OFGEM, in Energy Renewals reports and various industry case studies. However, in our early adopter programme we found 100% of businesses we worked with were overpaying.
Where does the 'up to 30% of your energy spend could be leaking away' data point come from?
This comes from our early adopter programme where we have found overpayments typically range from 10-30%. For an SME spending £50,000 a year on energy, that represents up to £15,000 in recoverable cost.
I want to save money on my company's energy costs with disruptmyenergybill. What do I do next?
If you haven’t already, take 60 seconds to use our Energy Savings Calculator to get an estimate on how much you could save (https://disruptmyenergybill.com/). From there you can book a free demo call with our team. We will talk you through the onboarding process in detail, but it is very simple – all you will need to do is provide copies of your energy contracts and a couple of recent bills, so come prepared with these documents if you want to speed the process along.
FourTwoThree - Sustainability Intelligence for Insurance & Supply Chains
What is FourTwoThree and who is it for?
FourTwoThree is a digital smart climate action platform accelerating the deployment of transition finance through automated benchmarking, validation, data capture and impact measurement. It is designed to help Intermediary Financial Institutions (IFIs), Multilateral Development Banks (MDBs) and SMEs unlock the $50 trillion transition finance opportunity.
What problem does FourTwoThree solve?
Scaling SME transition finance across thousands of smaller projects creates an operational challenge. At the SME level, IFI and borrower verification costs overwhelm unit economics. In order to scale, these existing manual processes need to be automated. FourTwoThree automates 6 key processes:
- Green Loan Application: IFIs and SMEs identify financing opportunity through benchmarking.
- Eligibility Validation: Cross referencing assets against MDB catalogues for automated qualification through impact metrics.
- Evidence Capture: Automation of data capture to generate credit request including carbon reduction targets.
- Loan Approval: Faster lending, lower cost and improved capital deployment.
- Rebates Assessment: Automated processes for rebates assessment including validation of asset acquisitions and carbon reduction where applicable.
- Performance Reporting: Performance reporting by client, sector and region for all stakeholders
What makes FourTwoThree different from existing solutions?
FourTwoThree is not just another reporting or ESG data tool. It is designed as an execution layer that integrates directly into SME lending workflows. Unlike traditional approaches that rely on manual processes, fragmented data collection or external consultants, FourTwoThree standardises and automates the entire transition finance lifecycle – from data capture to eligibility validation and reporting. This enables financial institutions to scale SME transition finance in a way that is both operationally efficient and economically viable.
How does FourTwoThree help Multilateral Development Banks verify counterparty resilience and measure programme impact?
MDBs deploy capital across large, complex portfolios of borrowers, investees, and implementing partners – most of them private companies that publish little or no structured non-financial data. Verifying their resilience, governance, and operational credibility has traditionally meant expensive manual due diligence, low-response surveys, or taking counterparty self-reporting on trust. FourTwoThree replaces that with scalable, consistent, decision-ready intelligence that delivers scalable verification infrastructure, consistent impact data and ultimately an improved programme deployment.
How does FourTwoThree help IRIs process SME loans faster, reduce verification costs and deploy more wholesale credit?
IFIs sit at a critical point in the SME lending chain – receiving wholesale capital from development banks, commercial lenders, and green finance programmes, and deploying it as loans to private businesses that rarely publish the non-financial data needed to assess them properly. The result is a verification bottleneck that slows loan processing, inflates the cost of each transaction, and constrains the volume of credit that can realistically be deployed within any given reporting cycle. FourTwoThree removes that bottleneck via caster SME loan processing, reduced verification cost and increased deployment of wholesale credit lines.
How does FourTwoThree help small and medium-sized businesses access green finance, understand their transition pathway, and qualify for rebates faster?
For most SMEs, green finance exists in theory but remains frustratingly out of reach in practice. The loans, grants and rebates designed to help businesses invest in energy efficiency, clean technology, and operational resilience come with eligibility requirements that assume a level of structured data most small businesses have never been asked to produce – let alone know how to present. FourTwoThree changes the starting point for SMEs by building and structuring the resilience and operational data that unlocks access – without requiring the business to do the heavy lifting itself. The result is simpler access to green finance, clearer transition pathways and faster rebate eligibility.