USE CASES / Credit & Banking

Decision data for lending and security valuation

Banks and credit institutions must continuously monitor and re-evaluate real estate collateral according to EBA guidelines and capital adequacy rules. Kliva provides credit organizations with verified source data for the entire process — from credit preparation to annual re-evaluation.

Book a demo →

Why Kliva?

Key functions for Credit & Banking

Comparable transactions, tax assessment data, and market yields with source references for each data point
Material suitable for credit committee and audit
Portfolio monitoring of value development, ownership changes, and risk signals
Signals automatically notify you of transactions, ownership changes, planning decisions, and altered risk profiles
Flooding, energy performance, and physical climate risk per property
Ready for ICAAP, credit policy, and sustainability reporting
ISO 27001:2022 certified and GDPR compliant — built for the financial sector
Hosted in Nordic cloud infrastructure
Allow your own AI assistants to retrieve security data directly from the Property Graph via MCP — with source references that withstand audit.

Kliva AI

Which properties in Stockholm County have a direct yield over 5%?

Jag hittade 42 fastigheter som matchar. De flesta ligger i Södertälje (12 st), Norrtälje (8 st) och Haninge (6 st). Vill du se en detaljerad lista?

Yes, show the 5 largest.

Ask a question about your data...

IN DEPTH

Evidence that holds up for credit decisions, audit and supervision

Kliva brings valuation, risk, transactions and compliance into one data model — with source and timestamp on every data point.

Compliance: DORA, ISO 27001, GDPR

ISO 27001-certified platform, DORA-ready vendor documentation and GDPR records for your third-party review.

Valuation — single asset and portfolio

Cash flow analysis and DCF per asset, with the option to re-run the entire collateral pool when assumptions change.

Climate, taxonomy and Risk & Environment

Flooding, landslide, contaminated land and energy performance per property — input for EU Taxonomy and ESG reporting.

The Property Graph

Property, owner, group, mortgage deeds and tenants are linked — trace exposure from a single asset to the whole group.

Data in Sweden

Swedish servers and Nordic jurisdiction, with traceability on where data is stored and who can access it.

Transactions

Title-deed and corporate transactions updated daily — comparable evidence for collateral valuation.

COMPLIANCE

Compliance that holds up to supervision and third-party review

Kliva is delivered as a third-party provider you can document. We supply the certifications, contractual evidence and logs your credit and compliance teams need for DORA, ISO 27001 and GDPR.

Climate and environmental risk per security, not per portfolio

Physical climate risk and environmental exposure are assessed asset by asset against EU Taxonomy Appendix A, with scenarios and a source on every data point — usable directly in credit assessment and sustainability reporting.

Acute and chronic climate risks under RCP 4.5 and 8.5, per property.
Flooding, cloudburst, landslide and contaminated land with source and date.
Energy performance and evidence for taxonomy alignment of the lending book.
Mitigation measures, cost estimates and a digital journal for the audit trail.

VALUATION

Collateral valuation for a single asset and the full portfolio

Build cash flow models per property and revalue the entire collateral pool when rates, yields or vacancy move. Assumptions and inputs stay traceable, so the valuation can be defended after the fact.

Ready to get started?

See how Kliva can be adapted for your business.

Book a demo