Climate Collateral and Cheap Money

Field Notes

The ECB just reminded banks that climate risk doesn’t disappear when policy rates fall. Reuters reports supervisors want lenders to embed physical- and transition-risk metrics into every credit file. The ECB blog echoes it: climate shocks jeopardize collateral, so even low-risk borrowers need a decarbonization story. That means your cash forecast must include resilience spending, not just marketing and ops.

Signal Check

• Banks will ask how climate events could interrupt your supply chain, warehouses or data centers.
• Transition risk matters too: if your product relies on high-emission inputs, expect more scrutiny.
• Companies that can show adaptation investments (energy audits, resilient logistics, circular packaging) get better credit terms.

Marketing Pulse

Talk about resilience openly. Share how you mapped flood zones for your studio, how you selected greener vendors, or how you redesigned packaging to meet PPWR. The Personal Business Trainer should tag every sustainability story so you can prove to lenders and customers that it’s not greenwashing.

Operations Flow

Add climate checkpoints to your ops rituals. Quarterly, review supplier climate exposure, insurance coverage, and backup plans. Store the findings in the trainer. Build a resilience budget line so you can point to hard numbers when a bank asks how you’ll survive a heatwave or energy surge.

Innovation Muscle

Use climate risk as a creativity constraint. Could your services help clients decarbonize faster? Could you productize your resilience research? Document experiments like off-grid pop-ups, low-energy AI workflows, or materials swaps. Innovation becomes the proof that you’re future-fit.

Experiments for this week

1. Run a “climate scenario drill” using your three biggest risk events (flood, supply delay, energy spike). Log mitigation steps in the trainer.
2. Add a “resilience section” to your investor/credit deck featuring data, budgets and KPIs.
3. Interview an insurance broker on Dawn Patrol about underwriting climate risk for micro teams.