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Financing for businesses

To help simplify access to sustainable financing for companies looking to build resilient businesses, we have in place sustainable finance umbrella frameworks that are aligned to internationally-recognised standards, principles and guidelines, including the Loan Market Association/Asia Pacific Loan Market Association Green Loan Principles and Sustainability Linked Loan Principles. These frameworks, which obtained independent second party opinions, set out the eligible projects or activities that qualify for green and sustainability-linked loans and bonds, trade finance and other retail banking products.

Sustainable Finance Frameworks

Ecosystem solutions


Under these frameworks, we provide a suite of sustainable financing solutions, particularly three ecosystem solutions designed to meet the end-to-end needs within specific sectors, to support our clients in capturing opportunities that contribute to the UN SDGs.

U - Solar

U-Solar Launched in 2019, U-Solar is Asia’s first integrated financing platform that connects businesses and individuals to service providers to drive the development and adoption of solar power. Available in Indonesia, Malaysia, Singapore and Thailand, U-Solar simplifies access to sustainable financing for solar project developers, engineering, procurement and construction contractors, and leading equipment suppliers. Residential, commercial and industrial end-users can also take up financing solutions for solar panel installations and maintenance.


Launched in 2020, U-Energy is Asia’s first integrated financing platform that drives the development and adoption of energy efficiency projects for buildings and homes. Available in Indonesia, Malaysia, Singapore and Thailand, U-Energy connects energy service companies (ESCOs) with end-customers to offer solutions for common energy efficiency projects. With our flexible green financing options, building owners can opt for a direct purchase or the ‘energy-as-a-service’ model. For homeowners, UOB offers a zero per cent interest instalment plan of up to three years when UOB credit cards are used as the mode of payment for their energy efficiency retrofitting projects.


Launched in 2021, U-Drive is our integrated green financing solution for the electric vehicle (EV) ecosystem. It connects the EV value chain – from automotive brand owners, dealers and EV charging infrastructure providers to end users, helping to drive the development and adoption of green transportation. Available in Singapore and Thailand, U-Drive provides a comprehensive range of green banking facilities, including term loans, trade financing, dealer stock financing and end-user financing of EVs and charging equipment. Beyond financing, we also offer foreign direct investment advisory to EV original equipment manufacturers seeking to expand into ASEAN, as well as work with dealers and charging infrastructure providers to offer exclusive packages to end-customers.