In this chapter, the focus shifts to the mechanisms of sustainable lending, advocating for integrating Environmental and Social Governance (ESG) criteria into credit risk assessment frameworks. The author posits that banks can enhance risk-return profiles by developing sustainability-related credit ratings that complement traditional financial metrics. Methodologies for evaluating sustainable lending practices are presented, including the Sustainability Credit Score System (SCSS), which facilitates the inclusion of nonfinancial indicators in lending decisions. The chapter also discusses the dichotomy between public and private information in credit assessments and the importance of creating transparent frameworks that incentivize lending to environmentally responsible enterprises.