You might think what you do ends with drying a building and writing a scope.
But in 2025, there’s a new player who might want to know about your job:
The lender.
That’s right.
Property owners refinancing their buildings or applying for new loans are now being asked:
“What’s your carbon footprint?”
“What’s your energy usage trend?”
“How are you managing building risk and resilience?”
And guess what?
Your restoration work might be part of the answer.
Lenders are looking at ESG metrics — and some of those touch your work directly.
| Metric | Where You Come In |
|---|---|
| Energy Usage Intensity (EUI) | Did your work improve airflow or insulation? |
| Carbon Emissions | Did you use low-emission materials or smart disposal practices? |
| Resilience | Did you help prevent the same loss from happening again? |
| Indoor Air Quality | Did you clean and log air levels before and after? |
| Governance / Reporting | Did you give your client a clear, traceable file? |
You’re not writing the loan app — but your name may show up in the folder.
Create clean project files
Moisture logs, IAQ data, material sources, time stamps.
Offer “finance-friendly” summaries
One-pagers with the kind of language a lender or auditor can understand.
Avoid re-installing low-performing materials
Offer options that improve the building’s score, even a little.
Leave a record that tells a good story
“This vendor helped reduce future risk” → That’s money in the bank.
“Some of our commercial clients are being asked to show ESG improvements to lenders — we can prep this file in that format if it helps.”
“If you’re submitting this to a financing group, we can flag a few details they tend to ask about.”
“We’ve built lender-friendly job summaries for other clients — want us to send you a sample?”
You’re not selling strategy.
You’re becoming lender-aligned without the ego.
In 2025, banks want to know that buildings are resilient, efficient, and well-documented.
If your restoration work proves that — in clear, simple terms — you're not just helping your client get dry.
You might be helping them get funded.