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EcoPulse
Green LendingIntelligence
Market Overview
The Green Lending Market is a Trillion-Dollar Mandate
$1T+
Annual Volume
Green lending has become a permanent shift in finance, driven by powerful regulatory and economic forces.
U.S. Regulatory Drivers
  • SEC Climate Rules
  • Inflation Reduction Act (IRA)
Financial Incentives
  • 25-150 bps loan discounts for green initiatives
  • Executive compensation linked to ESG performance
Global Standards
International Sustainability Standards Board (ISSB)
The Problem
Banks are Mandated to Scale, But Their Infrastructure is Broken
The current process is slow, manual, and siloed, making green lending unprofitable at scale.

Key Pain Point: A silo exists between Loan Officers and Sustainability/Credit Teams, causing critical delays and operational drag.
Standard SME Loan
2–4 Weeks
Green/Sustainability-Linked Loan
6–12 Weeks
Our Solution
EcoPulse Transforms ESG from a Hurdle into an Enabler
48 Hours
From a 6-week hurdle to a 48-hour enabler.
Reduces green loan processing time to 48 hours – 4 days
Works with pre-qualified SMEs
Requires zero training for existing bank staff
How It Works: One Platform, Two Experiences
One Intelligence Engine, Two Seamless Experiences
Bank Decision Engine
Pre-qualification signals, ESG-linked pricing forecasts, automated GAR reporting
EcoPulse Core
Intelligence engine that integrates into existing bank workflows to automate pre-qualification, pricing, and reporting
SME Guidance Mirror
Full transparency on pricing for borrowers, actionable guidance to unlock better loan terms
Value Delivered
We Translate ESG Profiles Into Tangible Dollar Savings
Commercial Real Estate
~$540,000 savings on a ~$5.4M loan
Logistics
~$75,000 savings on a ~$2.2M loan
Manufacturing
~$14,000 savings on a ~$1.1M loan
Our Moat: The Activation Layer for Lending Data
EcoPulse isn't just another reporting tool; we are the unique infrastructure layer that activates ESG data for the specific use case of lending decisions. While competitors offer general ESG reporting, EcoPulse uniquely bridges the gap between raw ESG data and actionable lending decisions by automating the translation of sustainability metrics into precise pricing adjustments and comprehensive risk assessments.
Data Inputs
  • MSCI: ESG risk ratings and peer benchmarking data
  • Persefoni: Real-time carbon accounting and Scope 1, 2, 3 emissions tracking
  • Workiva: Standardized sustainability reporting and regulatory compliance data
EcoPulse Engine
  • Proprietary ML model that correlates ESG metrics to loan default risk
  • Real-time pricing engine that calculates basis point adjustments (25-150 bps) based on green asset ratio
  • Automated Green Asset Ratio (GAR) calculation and regulatory reporting
  • Integration with bank credit scoring systems
Output
  • Pre-qualification signals with confidence scores
  • Loan pricing recommendations with regulatory justification
  • Automated compliance documentation for SEC and ISSB standards
  • Borrower-facing transparency reports showing path to better terms
Business Model
EcoPulse: A Clear B2B SaaS Revenue Path
We target financial institutions with a recurring, usage-based subscription model.
$150K
Avg. Annual Recurring Revenue (ARR) per Bank
$8K–$25K
Monthly Base Subscription
(Scales with usage)
60-70%
Gross Margins
3:1 – 5:1
Target LTV:CAC Ratio
(Exceeds B2B SaaS benchmarks, reflecting sticky, regulated fintech customers)
Revenue Growth & Scaling Projections
Conservative Projections (Post-Pilot Phase)
  • Year 1: 5 banks → ~$750K ARR
  • Year 2: 15 banks → ~$2.25M ARR
  • Year 3: 40+ banks → ~$6M+ ARR
Early Validation & Market Signals
  • Simulations with banking data indicate a 30-50% reduction in loan approval times.
  • Multiple commercial banks have expressed high-intent interest in paid pilots.
Path to Sustainable Profitability
  • Expect low churn due to deep bank integrations (inherent lock-in).
  • Targeting CAC payback within 12-18 months, typical for robust B2B fintech SaaS.
Growth Strategy
Achieving Bank Customer Acquisition & Revenue Scale
B2B fintech sales cycles to banks are often prolonged, spanning 6–12 months or more due to extensive compliance, legal reviews, and multi-stakeholder approvals. Our strategy prioritizes smart, low-risk channels that swiftly build trust and accelerate paid pilot adoption.
1
Build Awareness
Capture Bank Attention
  • Develop compelling content and host webinars on new regulations (IRA, SEC climate rules, ISSB) to highlight banks' urgent need for green lending solutions.
  • Engage and speak at key Miami fintech events (e.g., eMerge Americas Conference April 23–24, 2026; Fintech Americas Miami March 2026) for strategic introductions and networking.
2
Generate Leads
Curate Engaged Bank Prospects
  • Forge partnerships with leading data providers (MSCI, Persefoni, Workiva) for co-marketing initiatives and joint bank referrals.
  • Conduct targeted outreach to mid-sized US banks (100–500 employees) with existing SME lending portfolios, leveraging pressure from evolving green mandates.
3
Execute Pilots
Rapidly Demonstrate Value
  • Launch paid pilot programs with 3–5 initial banks, allocating 30% of $1.2M funding to ensure seamless execution and dedicated sales leadership.
  • Quickly showcase tangible results: reducing processing times from 6–12 weeks to 48 hours, delivering 30–50% proven time savings (via simulations), and illustrating clear dollar savings.
4
Secure Full Subscriptions
Convert Pilots to Enduring Revenue
  • Transition successful pilots into long-term SaaS customers, securing $8K–$25K monthly base subscriptions plus usage fees.
  • Leverage early customer testimonials, case studies, and referrals to create powerful network effects, accelerating further bank acquisition.
Key Targets & Strategic Advantages
  • Year 1 Goal: Onboard 5 paying banks.
  • Maintain low Customer Acquisition Cost (CAC) below $2,000 per bank by prioritizing events, strategic partnerships, and regulatory urgency over costly advertising.
  • Miami Advantage: Our local presence provides unparalleled access to Florida banks (e.g., Climate First Bank) and the local fintech community, fostering faster engagements and stronger trust.
The $1.2M Ask to Fuel Our Engine
$1.2M
Seeking $1.2 Million USD to accelerate growth and market penetration.
Product & Engineering (50%)
Full build-out of Intelligence Engine and SME Mirror
Sales & Pilot Management (30%)
Hire key personnel to secure and manage pilot customers
Operations & G&A (20%)
Support for regulatory compliance, legal, and core operations
Strategic Resilience & Growth Pillars
Proactive Navigation for Sustained Market Leadership
Leading in Data Privacy & Financial Security
Strategic Focus: Operating within the highly regulated financial sector, EcoPulse prioritizes unparalleled data security and compliance for sensitive bank and SME financial data.
EcoPulse's Strength:
  • Built-in enterprise-grade encryption and SOC 2 Type II compliance from inception
  • Advanced data anonymization and secure API integrations with existing bank infrastructure
  • Continuous third-party security audits and rigorous penetration testing
  • Leveraging partnerships with established data providers (MSCI, Persefoni) already meeting stringent banking security standards
Advancing ML Model Accuracy & Explainability
Strategic Focus: Delivering highly accurate and transparent ESG scoring and risk assessment models is fundamental to earning bank trust and navigating regulatory scrutiny.
EcoPulse's Strength:
  • Proprietary transparent, explainable AI models provide clear audit trails for every decision
  • Robust, continuous model validation against real-world lending outcomes and market dynamics
  • Integrating human-in-the-loop review for refining models and addressing complex edge cases
  • Strategic partnerships with leading ESG data providers ensure a foundation of high-quality, validated training data
Accelerating Bank Adoption & Market Penetration
Strategic Focus: Effectively navigating the inherently risk-averse and regulated banking sector, characterized by lengthy procurement processes.
EcoPulse's Strength:
  • Strategic initiation with paid pilots to rapidly demonstrate tangible value with minimal upfront commitment
  • Targeting agile, mid-sized banks (100-500 employees) to facilitate quicker decision-making and deployment
  • Capitalizing on increasing regulatory urgency (e.g., IRA, SEC climate rules) as a powerful adoption catalyst
  • Proactively building compelling case studies and securing testimonials from early adopters to drive future sales momentum
Adapting to Evolving Regulatory & Policy Landscapes
Strategic Focus: Maintaining agility and resilience amidst dynamic shifts in ESG regulations and green lending incentives.
EcoPulse's Strength:
  • Platform engineered for regulation-agnostic adaptability across multiple global frameworks (ISSB, TCFD, EU Taxonomy)
  • Core value proposition (faster lending, superior risk assessment) delivers consistent value regardless of specific mandates
  • Proactive monitoring of the global regulatory landscape, supported by an expert advisory board with deep policy expertise
  • Strategic diversification across multiple bank segments and geographies to mitigate single-market dependencies
EcoPulse is not merely reacting to challenges; we are proactively shaping our path forward. Our unwavering commitment to strategic foresight, combined with a highly experienced team and robust partnerships, positions us to drive sustainable value and lead the green finance transformation.
The Team Behind EcoPulse
Antonio Summa
CEO, Founder & Chief Strategy Officer
  • 15+ years in sustainable finance and FinTech innovation.
  • Drove multi-million dollar green bond initiatives.
  • Strategic vision and market leadership.
Karen Murillo
CMO : Marketing Co-Founder
  • Seasoned B2B SaaS marketing executive.
  • Led successful market entry for disruptive FinTech solutions.
  • Expert in digital brand building and demand generation.
CTO & Co-Founder
AIS Techlabs
  • Deep expertise in AI/ML and secure data platforms.
  • 10+ years building financial application models.
  • Driving technology for environmental impact.
Our Vision: The Future of Green Finance
EcoPulse is poised to redefine sustainable lending, creating a future where financial growth and environmental stewardship are seamlessly integrated.
Join Us in Building the Future of Green Finance
EcoPulse stands at the nexus of finance and sustainability, empowering banks to drive profitable growth while accelerating the global transition to a greener economy. This is more than an investment; it's an opportunity to shape the future of capital.
We invite you to partner with us. Your investment of $1.2M will unlock our next phase of growth, enabling us to scale our innovative platform and solidify our position as the essential infrastructure for green finance.
Ready to make an impact?
Contact Us
CEO :
CMO :
FAQ ;
website
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Future Vision & Exit Plan
Our exit strategy reflects our flexibility and market-driven approach, designed to maximize value for our investors.
Strategic Acquisition
Positioning EcoPulse as an attractive acquisition target for major financial institutions or FinTech platforms seeking to integrate advanced green lending capabilities into their portfolios.
Conversion to Dedicated Green Bank
Establishing EcoPulse as the world's first dedicated Green Bank, leveraging our innovative infrastructure and strong market position to offer comprehensive banking services focused exclusively on sustainable finance.
EcoPulse: Powering Sustainable Finance
EcoPulse is the essential lending infrastructure, empowering financial institutions globally to scale sustainable finance across the market.
Join us in forging a new era where economic prosperity and environmental stewardship unite for a resilient, sustainable future.
Product Roadmap: Building the Future of Green Lending
Our vision: Evolve EcoPulse from SME-focused accelerator to comprehensive intelligence platform for sustainable finance globally.
Funded by $1.2M raise (50% allocated to Product & Engineering), we deliver phased enhancements tied to milestones and revenue growth.
1
Phase 1: MVP & Early Pilots (Q1–Q2 2026 | Post-Funding)
  • Full build-out of Intelligence Engine & SME Guidance Mirror
  • Core integrations: MSCI, Persefoni, Workiva APIs + bank credit systems
  • Launch 3–5 paid pilots with mid-tier US banks (SME green loans)
  • Deliver: 48-hour processing, automated GAR reporting, 25–150 bps pricing
2
Phase 2: Scale & Refinement (Q3 2026 – Q1 2027)
  • Enhance ML model with real pilot data (improve ESG-default risk correlations)
  • Add advanced features: Predictive ESG impact scoring, scenario analysis for borrowers
  • Expand to non-SME segments: Mid-market corporate loans, commercial real estate
  • Introduce borrower-side tools: ESG improvement simulators, carbon offset recommendations
3
Phase 3: Advanced AI & Sector Expansion (Q2–Q4 2027)
  • Next-gen AI: Real-time Scope 3 emissions forecasting, dynamic pricing optimization
  • New integrations: Blockchain for verifiable green credentials, ERP systems (e.g., SAP, Oracle)
  • Target new verticals: Logistics, manufacturing, energy transition projects
  • Build network effects: Aggregated anonymized benchmarks for peer comparisons
4
Phase 4: International & Ecosystem Growth (2028+)
  • Global rollout: Adapt for EU/Asia markets (ISSB-aligned reporting, multi-currency)
  • Enterprise features: Portfolio-level GAR dashboards for large banks
  • Potential ecosystem plays: API marketplace for third-party ESG tools, white-label options
  • Long-term vision: Position EcoPulse as infrastructure layer for dedicated green banks or strategic acquisitions
Key Ties to Funding & Milestones
$600K Product/Eng Spend
Drives Phases 1–2 core build and ML refinement
Early Revenue
From pilots funds Phase 3 AI advancements
Accelerated ARR Growth
From ~$750K (Year 1) to multi-million scale
Risk-Managed
Iterative releases based on bank feedback and regulatory changes
This roadmap turns EcoPulse into the go-to activation layer for the $1T+ green lending market — starting local, scaling global.