Financial management is
your climate power.

Who we are

Topo Finance is a nonprofit unlocking one of the most powerful, overlooked climate levers: financial management.

By applying the same practices and accountability to their cash and investments as they do to all other supply chains, organizations can maximize their financial returns and their climate impact.

A defining challenge and immense opportunity

Organizations have historically viewed their financial management as climate-neutral. However, for many entities, their banking and investing represent one of their largest—if not the largest—sources of emissions. 

These emissions stem from how financial firms lend and invest their customers’ money. For example, the largest U.S. banks, on average, are lending 20%-30% of customers’ deposits to the industries most responsible for fueling climate change—all of which is being done with little transparency and reporting.

Fortunately, this paradigm is changing. A growing wave of organizations are applying a climate lens to their financial management: taking an active role in determining how financial institutions are lending and investing their money.

By doing so, organizations are demonstrating how they can maximize their financial performance and their climate impact.

The largest U.S. banks lend 20%-30% of your cash and investments to the most extractive industries fueling the climate crisis.

Looked at another way:

If the largest financial institutions in the U.S. were a country, they would be the third-largest emitter in the world, behind China and the U.S.


Topo Finance Research: The Carbon Bankroll 2.0

For many of the world’s biggest companies, the emissions stemming
from their cash and investments are larger than all their other emissions combined.


Topo Finance Research: The Carbon Bankroll 2.0

The solution

Topo Finance offers the insights, tools, and strategies to make sustainable financial management a core practice, maintaining an equal emphasis on returns, security, services, and impact.

This transition is well underway. In 2024, we engaged with companies, municipalities, and nonprofits with over a half-trillion dollars in cash and investments about how they can make their financial management a leading climate solution.

We support organizations two ways:

We build resources for climate leaders, transforming our field-leading research into open-sourced data, tools, strategies, and financial products that enable organizations and individuals to leverage their banking and investing to drive climate progress.

See our resources

We work with organizations at no cost, helping leaders and their teams get a full picture of their financial management’s impact. Together, we identify possible paths to position their financial management as their leading climate solution.

Work with us

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