How TDH’s Framework Gives Regulated Firms the Non-Financial Data They’ve Been Missing
Regulators don’t care that your suppliers are private. They care that you can’t account for them. The CSRD, the EU Supply Chain Due Diligence Directive, and a growing wave of investor and customer expectations are making one thing unavoidable: corporates are now accountable for the sustainability and resilience of their entire supply chain — not […]
Green Lending at the Crossroads: Why Banks Can’t Scale Without SME Data
There’s a striking contradiction sitting at the heart of transition finance right now. Banks are under more pressure than ever to demonstrate climate action — from regulators, from investors, from their own net zero commitments. And yet, the businesses they lend to most — the millions of SMEs that make up the backbone of every […]
The One Cost Most SMEs Never Track — And It’s Draining Thousands Every Year
You know your labour costs to the penny. You’ve probably renegotiated your lease. You track food waste, shrinkage, and supplier invoices with military precision. But your energy bill? Most SME owners sign it off each month without a second glance. That’s a very expensive habit. According to The Disruption House’s own research, 8 in 10 […]
The missing infrastructure behind transition finance: why data standardisation matters more than capital
There’s no shortage of ambition when it comes to transition finance. Multilateral development banks have committed billions. Green credit lines are being channelled through commercial banks to SME customers at scale. The money, in theory, is there. And yet, deployment is grinding. Not because of a lack of capital — but because of a lack […]
From Tick-Box to Decision-Ready: What Good Supplier Data Actually Looks Like
Supplier sustainability audits don’t come cheap. Between internal resource, third-party consultancy fees and the operational drag of chasing responses across hundreds — sometimes thousands — of vendors, the cost of running a supplier ESG programme can run well into six figures annually. And that’s before you question what you’re actually getting for it. The uncomfortable […]
Your energy data is more valuable than you think — but most SMEs never use it
If you run a restaurant, a hotel, or a retail shop, energy is probably one of your biggest monthly costs. You pay the bill, file it away, and move on. But that bill contains something far more useful than a number to groan at — it contains data. And right now, you’re almost certainly leaving […]
The Hidden Operational Cost of Manual Verification in Banking
There’s a quiet crisis playing out in the sustainability teams of banks across the UK and Europe. It doesn’t make headlines, but it costs millions in wasted hours, undermines regulatory credibility, and is quietly strangling the deployment of transition finance at scale. The problem? Manual verification of SME sustainability data. Banks are under mounting pressure […]
From Guesswork to Decision-Ready Data: How Corporates Can Move Beyond Estimates
There’s a quiet but growing crisis sitting inside the supply chains of some of the UK’s largest companies. It’s not a shortage of ambition — most corporates have sustainability commitments on record. The problem is what happens when they try to back those commitments up with numbers. Ask a Head of Procurement or Sustainability how […]
Why Transition Lending Targets Are at Risk Without Standardised SME Verification
Banks have made bold transition lending commitments. The problem? The data needed to back them up barely exists. Across the UK and globally, sustainable finance is booming. Multilateral Development Banks and supranational institutions have channelled wholesale transition credit lines through commercial banks to SME customers — a market set to reach billions by 2027. But […]
From Onboarding to Ongoing Monitoring: Why Static Risk Data Is No Longer Enough
There’s a moment many bank risk teams know well. A concern is flagged about a borrower. The portfolio team pulls up the file. The most recent resilience data they hold on that company? Collected at onboarding. Eighteen months ago. Via a form the client half-filled in.