Urban Retrofit Financing Exchange (URFE)

Vision

URFE connects building owners, energy auditors, and financiers to package credible retrofit projects—electrification, envelopes, HVAC—into investable bundles. The vision is faster decarbonization of small and midnsized buildings through standardized data, transparent savings estimates, and aligned incentives. Sponsors unlock scalable climate impact with equitable access to capital for owners traditionally left out.

Problem

Owners lack time and expertise to assemble audits, incentives, and contractors; financiers can’t trust savings models without standardized data; and tenants worry about cost pass-throughs. Evidence—utility bills, audits, invoices—lives in unstructured files, complicating underwriting and delaying projects that should be straightforward wins.

Solution

Cosolvent harmonizes project briefs, incentive mappings, and M&V; plans. With LLM+RAG, teams upload audits, bills, and bid PDFs and ask “what incentives and payback apply to this 30-unit heat-pump project?” with cited excerpts. ClientSynth simulates tenant mix, weather variability, and capital stack scenarios to give sponsors confidence in payback, equity impacts, and scaling pathways before committing funds.

Business Model

Revenue includes origination and coordination fees; public sponsors can back credit enhancement and technicalnassistance cohorts. Over time, governed datasets on realized savings and tenant outcomes enable better underwriting and policy design, strengthening sponsor ROI.