Method
The Proof Note.
A structured reading of a financing file, in the order a credit committee reads it, against public standards: the IFC Performance Standards, EBRD requirements, EDGE, PCAF, CBAM, and IFRS S1 and S2.
What a note holds
- A score by areaEligibility, environmental and social risk, carbon data and the credit file, as they apply to you.
- Conditions, in orderWhat a lender would flag, ranked by what stops a disbursement first.
- DocumentsThe document that closes each condition, and your file item by item.
- Standards readThe public standard behind every question, and a link that rebuilds the note.
Sample Proof Note
56/100
Partial
Fixable gaps. A lender would hold the file until they close.
- Eligibility Partial 67
- Environmental and social Partial 67
- Carbon data Gap 33
- Credit file Partial 56
Conditions to close, in order
- CBAM embedded emissions. Default values are set high on purpose. A competitor with measured data can undercut you on the same tonne.
- GHG inventory. Bills are raw data. A lender wants them turned into a Scope 1 and 2 inventory with a stated method.
Three reviews
- Company bankability reviewExporters, factories, SMEs and mid-caps seeking green or DFI-backed finance, or selling to EU buyers.
- Project bankability reviewDevelopers, hotels, factories and building owners financing a green building, solar, or an equipment upgrade.
- Institution readiness reviewLeasing, microfinance, factoring, mortgage and consumer finance companies preparing for a DFI line or the regulator.
The review runs in your browser and your answers are not sent to a server. It is a readiness check, not an assurance opinion, a certification or a credit decision.
Licence
The Proof Note method and seal © 2026 Omar Hamdy. Guides, glossary and toolkit are licensed CC BY 4.0, with credit.