Investing in Supportive Infrastructure

COP 26 highlighted that urban buildings account for 40% of global carbon emissions each year, and the value chains of cities are attributable to 68% of all annual global greenhouse gas emissions, by UN estimates.

The body also estimates that 1.6 billion people living in cities will be regularly exposed to extremely high temperatures, and over 800 million people living in cities across the world will be vulnerable to sea level rises and coastal flooding by 2050.

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Propio’s vision for impact investment will see them work with each SME developer to improve their ESG credentials. Propio monitors the plan and improves the initial ESG score by delivering on the planned results in a reduction in the interest payable on the loan. The investor can directly influence borrowers behaviour in the true sense of impact investing and become a force for change.

About the Company

Propio is the relaunch of an award winning Fintech business providing sustainable finance loans to SME housebuilders in the UK to help to solve the UK’s housing crisis. Propio simultaneously meets the growing demand globally by High New Worth/Sophisticated impact investors wanting to directly improve the Environmental, Social and Governance (‘ESG’) credentials of end borrowers – by scoring each developer over the life of their loans and incentivising and working with them to improve their ESG performance. We aim to balance financial performance with purpose, whilst matching the supply and demand for real estate development capital by providing access to global investors wanting exposure to UK property markets in search of real, risk-adjusted yields.

Propio is the home of socially responsible property development and investment empowering developers to build more homes by providing efficient access to sustainable lower-cost finance with ease, speed, and certainty using our newly rebuilt proprietory tech platform. The new higher margin, higher growth business plan sees the loan book rising to £50m within 5 years, driving revenues of £10.3m, gross margin of 65%, and a net margin of 42%, generating profits of £4.2m.

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