# Our bank sent an ESG questionnaire with our loan renewal. How should we answer the climate part?

Canonical: https://senseible.earth/answers/bank-esg-questionnaire-for-msme-loan

Answer only what your records show. Give Scope 1 and 2 from your fuel and electricity bills, the period and the method, and say plainly where you have no data yet. A short, sourced answer reads better to a credit team than a long one that cannot be checked.

## Climate questions banks often ask

- Annual electricity and fuel use.
- Scope 1 and 2 emissions.
- Any energy saving or renewable projects.
- Exposure to floods, heat or water shortage.

## How to answer

- Attach the calculation, not just totals.
- Mark estimates as estimates.
- Keep the same figures you give buyers, so they match.

## What Senseible does here

Senseible turns invoices and bills into a dated, fingerprinted emissions record a lender can trace line by line. The lender makes its own credit decision.

- [How lenders read a GHG report](https://senseible.earth/answers/how-lenders-read-msme-borrower-ghg-report)
- [Climate finance readiness](https://senseible.earth/answers/climate-finance-readiness-check-msme)
- [Lender asks about flood and heat](https://senseible.earth/answers/lender-asks-flood-and-heat-risk-msme)

Sources: [GHG Protocol Corporate Standard](https://ghgprotocol.org/corporate-standard), [PCAF Global GHG Accounting and Reporting Standard (carbonaccountingfinancials.com)](https://carbonaccountingfinancials.com)

Last reviewed 2026-10-23.