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Contingent Lines of Credit (CLOC): A Liquidity Tool for Customer Climate Resilience

This reading deck explores Contingent Lines of Credit (CLOCs), a financial mechanism that pre-arranges loan terms and eligibility before a climate shock and enables rapid access to funds when a shock occurs. It examines how CLOCs can help vulnerable households cope with climate shocks while enabling financial service providers to protect their portfolios and continue serving customers.

• Resource type Presentation
• Author Jacob Winiecki, Michel Hanouch and Peter Zetterli, CGAP
• OrganisationCGAP
• Year of Publication2026
• RegionGlobal
• LanguageEnglish