Portal example · Lender view

Orvatta Equipment Finance

Equipment finance · 6 companies · FY2025–26

Illustrative figures. No client data.

Financed emissions · Scope 3 Category 15

Equipment finance book

Financed emissions for six borrowers and 49 financed assets, by company, evidence state and PCAF data quality score. Each figure opens to the asset, the activity record and the factor applied.

1 July 2025 – 30 June 2026 · PCAF attribution and data-quality scoring · NGA Factors 2026 · AR5 GWPs

Financed emissions

2,081.5 t CO₂-e

Attributed Scope 1 + 2

Exposure-weighted PCAF score

2.4

Score 1 = highest data quality; 5 = lowest

Carbon intensity of collateral

0.197

t CO₂-e per $1,000 OLV

Exposure

$8.7m

6 companies · 49 assets

Collateral OLV

$10.6m

FMV $13.7m

LVR on OLV

0.83

15 assets under-secured

Measured share

43%

Of financed tonnes

Unattributed

Origination value missing

Exceptions

5 critical or caution

Upstream Scope 3

512.3

t CO₂-e, supplementary

Concentration

Financed emissions by company

Measured and estimated tonnes as separate states. Select a company to open it.

Measured Estimated Excluded

Source: portal example, FY2025–26. Factors: NGA Factors 2026, Tables 8 and 9.

Evidence coverage

Exposure by evidence state

Data quality

Select a state to list the assets in it.

Measured: 37.8%$3.3m · 12 assets
Estimated: 61.6%$5.4m · 35 assets
Excluded: 0.6%$52k · 2 assets

Supplying the records already identified would move the book from score 2.4 to 1.4. See the uplift plan

Source: portal example, FY2025–26. Factors: NGA Factors 2026, Tables 8 and 9.

Collateral

Carbon intensity of collateral

Financed t CO₂-e per $1,000 OLV, FY2025–26, the ten most intensive assets. Select an asset for its calculation.

Measured Estimated Excluded

Book average 0.197 t CO₂-e per $1,000 OLV. 16 of 47 assets sit above it.

Source: portal example, FY2025–26. Factors: NGA Factors 2026, Tables 8 and 9.

Composition

By asset class

Financed t CO₂-e, top eight. Select a class to list its assets.

Source: portal example, FY2025–26. Factors: NGA Factors 2026, Tables 8 and 9.

Priority

Top emitting assets

All assets

Financed t CO₂-e. Select an asset for its calculation.

Source: portal example, FY2025–26. Factors: NGA Factors 2026, Tables 8 and 9.

Outlook

Where the book is heading

Observed run-rates held flat, balances amortising 15% a year. Test changes on the plan below.

Year	Exposure	Whole-asset t	Financed t
FY2025–26 actual	$8.7m	3,224.9	2,081.5
FY2026–27	$6.9m	3,134.7	1,729.4
FY2027–28	$5.8m	3,134.7	1,470.0
FY2028–29	$5.0m	3,134.7	1,249.5

Source: portal example, FY2025–26. Factors: NGA Factors 2026, Tables 8 and 9.

Exceptions

23 items to resolve

All exceptions

Each item stays on the register until it is resolved.

Critical: No activity data
AP0036 Custom Workshop Container · Varrowin Agri Co
Excluded from the measured total and shown as excluded, not zero. Exposure remains on the register.
Critical: No activity data
AP0049 Atlas Copco QAS 150 · Caldrevin Access Hire
Excluded from the measured total and shown as excluded, not zero. Exposure remains on the register.
Caution: Fuel vs usage
AP0024 Caterpillar D85EX · Ondrell Mining Services
30,732 L against 1,538 h: implied 20.0 L/h, below the 25–30 L/h class band. Usage outruns recorded fuel: check for missing fuel invoices, off-card fuelling or a meter error.
Caution: Fuel vs usage
AP0028 Terex Franna AT-22 · Ondrell Mining Services
30,400 L against 1,043 h: implied 29.1 L/h, above the 8–18 L/h class band. Fuel outruns recorded usage: check for unrecorded work, excessive idling, leakage or a stale meter reading.
Caution: Origination value missing
AP0017 Scania R620 · Taltavo Haulage Group
Where the denominator is unknown, the standard directs a conservative approach: assume 100% attribution.

Plan ahead

Shape the book's future emissions

Test how changes in usage, efficiency and fleet renewal across the register would move financed emissions over the next three years.

Operating assumptions, from FY2026–27Usage change 0%Hours and kilometres worked against this year.Fuel efficiency gain 0%Less idling, operator practice, maintenance, right-sizing.

Fleet decisions, from FY2027–28

AP0015 Kenworth K200Taltavo Haulage Group · 326.7 t a year
AP0029 Atlas Copco QAS 500Ondrell Mining Services · 249.3 t a year
AP0026 Volvo A40GOndrell Mining Services · 161.2 t a year
AP0013 Kenworth T909Taltavo Haulage Group · 154.1 t a year
AP0014 Kenworth T610Taltavo Haulage Group · 152.6 t a year
AP0016 Mack Super-LinerTaltavo Haulage Group · 146.4 t a year
AP0022 Komatsu PC300LC-8Ondrell Mining Services · 145.9 t a year
AP0023 Caterpillar 349Ondrell Mining Services · 142.9 t a year
AP0039 Caterpillar 745Murrandel Earthworks · 139.0 t a year
AP0042 Kenworth T610 SARMurrandel Earthworks · 134.0 t a year

Renew assumes a current-generation equivalent using 15% less fuel.

Three-year outcome

Adjust the assumptions to test a plan.

FY2026–27Current path 1,729.4Your plan 1,729.4
FY2027–28Current path 1,470.0Your plan 1,470.0
FY2028–29Current path 1,249.5Your plan 1,249.5

Year	Current path	Your plan
FY2026–27	1,729.4	1,729.4
FY2027–28	1,470.0	1,470.0
FY2028–29	1,249.5	1,249.5

Units: financed t CO₂-e. Scenario on FY2025–26 run-rates, balances amortising 15% a year. 5 assets with declared or no usage are left out until readings arrive. The plan shows the method and is not a forecast.