Ambitionen att ställa om saknas sällan. I både näringsliv och offentlig sektor är hållbarhetsmålen ofta tydligt formulerade. Den verkliga knäckfrågan är i stället hur omställningen ska finansieras – och vilka krav banker, investerare och kapitalägare faktiskt ställer.
Guide: Så får du hållbar finansiering
Tema: Hållbara finanser Kapitalet har blivit grönare – men också mer krävande. För att få finansiering räcker inte höga ambitioner. Affärsplan, riskhantering och uppföljning avgör. Här är guiden till hur banker och investerare resonerar.

Foto: Adobe Stock
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Gröna obligationer, hållbarhetslänkade lån, bankfinansiering och pensionskapital har gått från nisch till norm. Samtidigt har kraven skärpts. I dag räcker det inte att ett projekt är grönt på pappret – kapitalet efterfrågar tydlig affärslogik, mätbara mål och förmåga att leverera över tid.
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


