Why programmes matter
Change across an economy depends on millions of business decisions. With the right coordination, lenders can enable them at scale.
More reliable energy costs, buildings ready for changing weather patterns, resilient supply chains and the adoption of new technology all depend on investment by smaller businesses that cash reserves and public funding alone can't support. FourTwoThree coordinates pathways for banks to enable and finance the change needed.
Illustrative programme outcomes
Change aligned to growth priorities
Configure programmes to drive strategic outcomes. Programmes are not one-size-fits-all, and are not limited to the following:
01
Building energy independence
Cost reduction and increased resilience against energy price shocks.
02
Physical risk and supply chain resilience
Increased resilience to physical risk, across premises and supply chains.
US$224bn
in economic losses from natural disasters in 2025, 92% of them weather-related.
Source: Munich Re, natural catastrophe figures, January 2026
03
Resilience and emissions reporting
Measured resilience and emissions data to support reporting and reduction plans.
36
jurisdictions have adopted, or are moving to adopt, the ISSB sustainability disclosure standards.
04
Fleet and fuel price focus
Cut fuel costs and reduce exposure to volatile fuel prices.
7%
of new light commercial vehicles sold worldwide in 2024 were electric, up from 5% a year earlier.
Source: IEA, Global EV Outlook 2025
05
Natural capital
Investment in land, water and nature-related improvements.
US$44trn
of economic value, over half of global GDP, is moderately or highly dependent on nature.
HOW IT WORKS
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01. Measure: Portfolio data
A complete picture of every business, including thin files.
Verified data from first-mile providers, the lender's own records and information supplied by businesses combine into one record per business. Where data is missing, AI-assisted estimates fill the gap, each clearly labelled with its reasoning shown. Every figure can be traced back to its source.
01. Measure: Portfolio data
HOW IT WORKS
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02. Evaluate: Portfolio assessment
The same data, assessed against every relevant framework and set of criteria.
A lender's portfolio, or a defined set of prospects, is assessed against the internal criteria, external frameworks, mandates and subsidy rules that apply, all from the same data in a single pass. Each data point is gathered once and reused wherever it's relevant, and every result shows where its data came from.†
02. Evaluate: Portfolio assessment
HOW IT WORKS
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03. Plan: Programme design
Identification of the right programmes and their projected outcomes.
The assessment produces candidate programmes. Each shows which businesses qualify, which are close, how complete the data is and the expected volume, ready for the business case and approval.†
03. Plan: Programme design
HOW IT WORKS
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04. Act: Client and partner experiences
Reach the right cohort of businesses directly or through a partner.
Journeys run on the lender's behalf, through its own channels or a partner such as a large buyer and its suppliers, an installer or a public scheme. Each business sees the possible changes in scope, costed against its own figures, alongside grants it may be eligible for and the lender's indicative terms, and provides the evidence the programme needs. Applications go to the lender, which keeps the eligibility decision, terms and contract.†
04. Act: Client and partner experiences
HOW IT WORKS
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05. Prove: Programme management
Track results and output evidence against the business case, from one shared view.
Origination, credit, risk and portfolio teams see the same live picture: data coverage, which businesses qualify and which are close, deals in progress and outcomes against target. Teams can test changes to criteria and pricing against the businesses that are close, and track the programme's economics against its approval case.†
05. Prove: Programme management
The platform
Modular infrastructure for financing programmes
Every lender, region and sector is different, so FourTwoThree is built in modules. It runs alongside a lender's existing credit, risk and origination systems, and is designed to deploy faster and at lower cost than a traditional enterprise roll-out.
Inputs
- Verified first-mile data providers
- Reasoned, AI-assisted estimates
- Frameworks
- Grants and subsidies
Engine
- 423 engine
Modules
- Portfolio assessment
- Client and partner experiences
- Programme management
Outputs
- Lender credit, risk and origination systems
- Client journeys, operated for the lender
- Fills gaps in thin-file data across a wide range of metrics, with every estimate labelled and its reasoning shown.
- Assesses whole portfolios against the internal criteria, external frameworks and mandates that apply.
- Runs tailored journeys for businesses and partners on the lender's behalf, to drive take-up of its programmes.
- Gives every team one view of the programme, from deals in progress to outcomes against target.
Inside the platform
Investment case at the point of decision
A business sees the in-scope measures, priced against its own figures with any grant applied. It can then compare its cash position when financing with the lender against buying outright.†
One view of programme performance
See how many businesses the programme has reached, how many have moved through each stage from targeted to application, and the finance pipeline it has built.†
Eligibility status for every business
Every business in the cohort is shown as meeting the criteria, behind or awaiting data, with the size of each financeable opportunity.†
Illustrative use cases
Programme use cases
Programme patterns, each described by its purpose, cohort, channel and incentive.
- Purpose
- Energy efficiency
- Cohort
- Social housing and community buildings
- Channel
- Local authorities
- Incentive
- National subsidy schemes
A UK lender works with social housing providers to finance energy-efficiency upgrades across social housing and community buildings. FourTwoThree identifies qualifying sites and sizes the programme, using energy data, savings estimates and the national subsidies each site may be eligible for.†
Verifiable by design. Built to institutional standards.
Designed for regulated institutions
Designed around the governance standards financial institutions hold themselves to, and shaped by the institutions it is built for. Work towards SOC 2 Type II and ISO 27001 is under way.
Permissioned access and full provenance
Every non-public data point is permissioned at source: SMEs, lenders and partners exchange data through explicit, revocable grants, and reads stay closed until a grant opens them. Figures carry a provenance trail showing where they came from and how they were derived, so credit and risk teams can test the data rather than rely on a model's output.
Configurable frameworks
Define any assessment, whether regulatory, resilience or sustainability, as a configurable framework over the same data. New requirements become new configurations, not new projects.
Eligibility, credit decisions, terms, contracting and funding remain with the lender throughout.