What we do

Spatial finance

Place-based financial, policy, and planetary insights.

We are living in an unprecedented moment in history, with a confluence of environmental, economic, and geopolitical risks threatening business models, revenue growth, and supply chains. Decision makers need place-based financial insights to proactively capitalize on opportunities and mitigate the risks of a changing world.

We help companies build long-term resilience leveraging Spatial Finance technology to map the connections between planetary change and political, financial, and economic activity amid macro uncertainty.

Extreme weather events and planetary change are impacting businesses and communities today. We help you prepare for extreme events and build long-term resilience through:

  • Commodity- and physical asset-focused risk analysis powered by SpatiaFi
  • Transition risk and opportunity identification
  • Intervention cost-benefit mapping and deployment 
Spatial finance_adaptation and resilience

Climate- and nature-related changes impact nearly every aspect of business operations. Our team helps you manage risks and optimize opportunities across assets and business units though:

  • Operational and supply chain risk quantification under numerous climate scenarios
  • Business Value at Risk (VaR) analysis
  • Adaptation roadmaps
  • Disclosure and regulatory readiness (CSRD, ISBB, CA SB 253/261, etc.)  
Spatial finance_scenario planning

Recent research finds that adaptation and resilience strategies can deliver a 10X return on investment. However, implementing these strategies often requires new financing models and definitions of value. We help you tap into this opportunity through:

  • Risk mitigation and adaptation strategy prioritization
  • Intervention-level ROI quantification
  • Investment criteria framework development 
Spatial finance_capital deployment

Fortune 100 retailer

Building off its scenario analysis disclosure obligations, a leading Fortune 100 retailer wanted to build the business case for adaptation and resilience initiatives across its operations and value chain. With a heavy reliance on agricultural commodities, the retailer needed place-based risk and opportunity insights to inform capital allocation, supplier engagement, and business resilience strategy. However, this required a deep, commodity-level analysis of its multi-sector value chain.

The retailer partnered with Earth Finance to design a scenario analysis framework evaluating key impacts, risks, and opportunities. Combining asset-level risk data from SpatiaFi (including scenario-specific physical changes in water stress, droughts, storms, wildfires, floods, extreme cold, and key agricultural crop yields), transition risk drivers, and operational, sales, and sourcing data, the company gained granular, asset-level insights across its agricultural supply chains.

The analysis revealed that the company could face over $10B in annual commodity supply risk by 2050 and see 200+ facilities in high stress water regions. Based on the insights derived from this work, the company is making proactive value chain investments, creating operational resilience plans, and repositioning itself in the marketplace. 

BMO

BMO's Climate Institute was launched in March 2021 as part of their overarching Climate Ambition. The Institute applies scientific and analytics expertise to better understand the risks and opportunities of a changing planet. 

To aid this process, BMO used SpatiaFi to understand climate, extreme events, nature, and water insights within various areas and contexts of their organization including Reporting, Asset Management, Capital Markets, and Retail and Commercial Banking. By leveraging SpatiaFi’s capabilities, BMO was able to:

  • Analyze internal climate risks to their own properties and operations.
  • Conduct a REIT portfolio analysis across multiple physical climate risks.
  • Identify regional water scarcity risks to inform investment insights and strategic decision-making.
  • Evaluate climate-related risks to U.S. agriculture, such as droughts, wildfires, and extreme heat, providing insights into potential financial impacts across regions and crops.

Together, these insights helped BMO integrate spatial and environmental intelligence into climate strategy, risk management, and forward-looking investment decisions across the enterprise.

In the news:

Mitigating the Physical Impacts of Climate Change with Spatial Finance

Google Cloud Lightning Talk with Michael Torrance (BMO Chief Sustainability Officer)

How BMO is Connecting Climate Resilience to the World of Finance

Can U.S. REITs Take the Heat (Wind and Rain)

Water Scarcity: Closer to Home Than You Might Think

Counting the Cost of Climate Risks in U.S. Agriculture

Robeco

Robeco, a global leader in sustainable investing, wanted to understand how geospatial data and AI can unlock scalable investment strategies that protect and support biodiversity. With biodiversity underpinning over half the world’s GDP, yet facing escalating threats from human activity, Robeco had identified an urgent need to direct capital toward nature-positive outcomes.

Robeco worked with SpatiaFi to develop a model to assess the biodiversity exposure risk of company-specific mining assets. SpatiaFi's Google Cloud-enabled system used AI and geospatial technology to extract mining locations from 100+ annual company reports, evaluate mining sites across a suite of biodiversity data, and estimate biodiversity exposure risk across over 1000 mines.

The assessment revealed that 81% of companies owned mines within important regions for biodiversity, and that over a third of mines using high risk methods like open-pit mining were in regions of high biodiversity importance. This work offers a blueprint for assessing biodiversity at scale and sets the foundation for Robeco to identify opportunities to shift their portfolio, bringing unprecedented transparency and accountability to biodiversity finance.

Read the full case study

Strategic partnerships

Thrive amid uncertainty

Future-proof your business model with adaptation and capital deployment strategies built on powerful geospatial insights.

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