Sustainable Lab Provides "TERRAST for Management" for Iwate Bank's "Iwagin Sustaina Support Loan"
Sustainable Lab’s ESG data platform has been integrated into Iwate Bank’s lending framework to establish a system for quantitatively evaluating the non-financial information of small and medium-sized enterprises (SMEs).
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- 📰 Published: May 27, 2026 at 22:27
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Sustainable Lab Inc. (Headquarters: Chiyoda-ku, Tokyo; CEO: Renji Hirase), a provider of the "TERRAST" ESG data collection, management, and analysis platform, has announced the provision of its non-financial data management system, "TERRAST for Management," to support the visualization of non-financial data for local businesses. This service is part of the credit screening process for the "Iwagin Sustaina Support Loan," launched on May 7, 2026, by The Iwate Bank, Ltd. (Headquarters: Morioka City, Iwate; President: Toru Iwayama) and the Iwate Prefecture Credit Guarantee Association (Headquarters: Morioka City, Iwate; Chairman: Satoshi Kikuchi).
Background
In recent years, the importance of evaluating non-financial information related to Environment, Social, and Governance (ESG) factors alongside financial data has increased in the screening processes of financial institutions. The "Iwagin Sustaina Support Loan" was established through the collaboration of Iwate Bank and the Iwate Prefecture Credit Guarantee Association to support local corporations in Iwate Prefecture that are committed to sustainable management by requiring the disclosure of non-financial sustainability data.
Sustainable Lab aims to bolster the sustainable management of regional enterprises and provide borrowers with the opportunity to visualize their ESG and sustainability status through the "TERRAST for Management" platform.
Loan Program Overview
- Eligible Borrowers: Corporations meeting the following criteria:
1. Provide non-financial data to Iwate Bank using sustainability disclosure items defined by the Sustainability Data Standardization Council (SDSC) and commit to sustainable management.
2. Ordinary profit before depreciation (Ordinary Profit + Depreciation > 0) in the fiscal year immediately preceding the application date.
3. Eligible for guarantees from the Iwate Prefecture Credit Guarantee Association.
- Purpose of Funds: Working capital, equipment capital.
- Loan Amount: 1 million JPY to 200 million JPY.
- Loan Term:
- Installment Repayment: Up to 10 years for working capital (1-year grace period); up to 15 years for equipment capital (2-year grace period).
- Bullet Repayment: Up to 5 years for both working and equipment capital.
- Interest Rate: Bank's prescribed floating rate.
- Guarantee Fee Rate: 0.41% to 1.71% per annum.
- Preferential Treatment: 10% discount on standard guarantee fee rates at designated branches.
Role of the Company
"TERRAST for Management" serves as the infrastructure for collecting, visualizing, and analyzing ESG data for SMEs. Its key functions include:
- Collection and analysis of corporate ESG non-financial data.
- Scoring based on standardized SDSC indicators.
- Providing quantitative evidence for credit screening.
- Automatic generation of summary and detailed reports.
- Utilization for screening feedback and corporate consulting.
By leveraging this platform, sustainability evaluations—which traditionally tended to be qualitative—are now data-driven. Iwate Bank and the Credit Guarantee Association will refer to these reports to provide advice and suggestions, leading to improvements in corporate sustainability management.
Background
In recent years, the importance of evaluating non-financial information related to Environment, Social, and Governance (ESG) factors alongside financial data has increased in the screening processes of financial institutions. The "Iwagin Sustaina Support Loan" was established through the collaboration of Iwate Bank and the Iwate Prefecture Credit Guarantee Association to support local corporations in Iwate Prefecture that are committed to sustainable management by requiring the disclosure of non-financial sustainability data.
Sustainable Lab aims to bolster the sustainable management of regional enterprises and provide borrowers with the opportunity to visualize their ESG and sustainability status through the "TERRAST for Management" platform.
Loan Program Overview
- Eligible Borrowers: Corporations meeting the following criteria:
1. Provide non-financial data to Iwate Bank using sustainability disclosure items defined by the Sustainability Data Standardization Council (SDSC) and commit to sustainable management.
2. Ordinary profit before depreciation (Ordinary Profit + Depreciation > 0) in the fiscal year immediately preceding the application date.
3. Eligible for guarantees from the Iwate Prefecture Credit Guarantee Association.
- Purpose of Funds: Working capital, equipment capital.
- Loan Amount: 1 million JPY to 200 million JPY.
- Loan Term:
- Installment Repayment: Up to 10 years for working capital (1-year grace period); up to 15 years for equipment capital (2-year grace period).
- Bullet Repayment: Up to 5 years for both working and equipment capital.
- Interest Rate: Bank's prescribed floating rate.
- Guarantee Fee Rate: 0.41% to 1.71% per annum.
- Preferential Treatment: 10% discount on standard guarantee fee rates at designated branches.
Role of the Company
"TERRAST for Management" serves as the infrastructure for collecting, visualizing, and analyzing ESG data for SMEs. Its key functions include:
- Collection and analysis of corporate ESG non-financial data.
- Scoring based on standardized SDSC indicators.
- Providing quantitative evidence for credit screening.
- Automatic generation of summary and detailed reports.
- Utilization for screening feedback and corporate consulting.
By leveraging this platform, sustainability evaluations—which traditionally tended to be qualitative—are now data-driven. Iwate Bank and the Credit Guarantee Association will refer to these reports to provide advice and suggestions, leading to improvements in corporate sustainability management.
FAQ
What is the primary goal of the "Iwagin Sustaina Support Loan"?
The goal is to support the sustainable management of SMEs in Iwate Prefecture by evaluating their ESG performance using quantitative non-financial data.
How does TERRAST for Management change the traditional loan screening process?
It shifts the evaluation of sustainability from qualitative assessments to a data-driven approach, providing quantitative scoring and detailed reports for more objective decision-making.
What are the financial requirements for companies to apply for this loan?
Companies must have a positive ordinary profit before depreciation in their most recent fiscal year and be eligible for a credit guarantee.