Sustainable Finance. Strategic Insight. Lasting Value.

Terra Impact is a strategic advisory firm helping organizations navigate the intersection of business, capital markets and sustainability.

We advise boards, C-suite executives and senior leaders as they respond to a rapidly changing landscape shaped by the energy transition, climate and nature risks, evolving capital markets, technological transformation and shifting stakeholder expectations.

Our focus is on turning complex sustainability priorities into practical strategies, credible financing approaches and opportunities for long-term value creation.

Explore Our Expertise Meet Our Founder

Navigating a Changing Market

Sustainability is increasingly intertwined with business strategy, access to capital, energy security, infrastructure investment and long-term resilience.

At the same time, the landscape is becoming more complex. Regulatory approaches are diverging across markets. Investors are demanding greater financial and strategic rigor. AI and electrification are accelerating power and infrastructure needs. Climate impacts are changing the economics of assets and operations. Nature and biodiversity are emerging as financial considerations.

Terra Impact helps leaders determine what matters, where the opportunities lie and how capital can support their ambitions.

What We Do

Strategic Advisory

Turning sustainability priorities into business and financial strategy.

We advise boards, executives and senior management teams on consequential decisions at the intersection of sustainability, finance and enterprise strategy.

Our work may include:

Sustainable finance and climate strategy
Board and C-suite strategic advisory
Market and competitive landscape assessment
Strategic prioritization and opportunity identification
Climate, nature and sustainability-related business considerations
Governance and decision-making frameworks
Executive and board education

Sustainable Finance & Capital Markets

Connecting sustainability ambitions with capital.

Terra Impact brings deep expertise in fixed income, institutional investing and sustainable debt markets to help organizations evaluate financing strategies and engage effectively with capital providers.

Our work may include:

Sustainable financing strategy
Green, social, sustainability and transition finance
Sustainable and sustainability-linked debt
Financing framework strategy and development
Capital structure and financing pathway assessment
Investor positioning and engagement
Capital markets readiness
Review of proposed sustainable financing structures

We work at the intersection of issuer objectives, investor expectations and market realities, helping clients determine when and how sustainable finance can support broader strategic goals.

Transition, Climate & Emerging Opportunities

Positioning organizations for the next generation of investment.

The transition to a more resilient, resource-efficient economy is creating new financing requirements and investment opportunities across industries.

Terra Impact provides strategic insight in areas including:

Energy transition and industrial decarbonization
Climate technology and infrastructure
AI-driven energy and power demand
Climate resilience and adaptation
Nature and biodiversity finance
Sustainable infrastructure
Emerging climate and impact investment opportunities

We help clients assess where market developments intersect with their businesses, assets, stakeholders and capital needs.

Capital Mobilization & Impact

Helping mission and capital come together.

For nonprofits, social enterprises, foundations and other mission-driven organizations, strong impact strategies increasingly require sophisticated approaches to financing and partnerships.

Terra Impact helps organizations explore pathways to mobilize public, philanthropic and private capital around environmental and social outcomes.

Our work may include:

Capital mobilization strategy
Blended and catalytic finance
Investor and funder positioning
Strategic partnerships
Impact investment strategy
Financing models for scalable initiatives
Sustainable and impact financing opportunities

Why Terra Impact

Financial rigor. Sustainability expertise. Senior-level perspective.

Terra Impact brings together experience across investment banking, institutional asset management, sustainable finance, corporate advisory and nonprofit governance.

This combination enables us to examine sustainability questions through multiple lenses: those of the enterprise, capital provider, investor, board and mission-driven organization.

We provide independent, senior-level advice designed to help clients:

Clarify strategic priorities

Focus on the sustainability issues most relevant to long-term business and organizational objectives.

Identify opportunities

Evaluate where changes in markets, technology, policy and capital allocation may create new opportunities.

Navigate capital markets

Connect sustainability strategies with credible financing and investor considerations.

Strengthen decision-making

Bring financial discipline and an independent perspective to complex strategic choices.

Mobilize capital for impact

Develop pathways for bringing together organizations, investors and other capital providers around meaningful outcomes.

Global Perspective

Global markets. Context-specific solutions.

Sustainability and sustainable finance are evolving differently across regions.

Terra Impact brings a global perspective while recognizing that strategies must reflect local markets, regulatory environments, capital sources and organizational priorities.

We work across developed and emerging markets, with particular relevance to clients and opportunities in the United States, Europe and Asia.

Leadership

Manju Seal

Founder & Managing Partner

Terra Impact is founded and led by Manju Seal, former Head of Sustainable Finance and Capital Markets ESG Lead at BMO Financial Group.

Her career spans sustainable finance, investment banking, institutional asset management, fixed income investing and corporate governance.

Today, she brings that experience to organizations navigating increasingly interconnected questions of strategy, sustainability and capital.

Meet Manju →

Manju Seal is Founder and Managing Partner of Terra Impact, where she advises boards, C-suite executives and senior leaders on sustainable finance, climate and sustainability strategy, capital markets and pathways to long-term value creation.

Her work brings together deep capital markets experience with an understanding of the evolving sustainability landscape. She works with corporations, financial institutions, investors, nonprofits and other mission-driven organizations seeking to translate climate, environmental and social priorities into credible strategies, financing approaches and investment opportunities.

Manju is particularly experienced in sustainable debt and capital mobilization, with expertise spanning green, social, sustainability, transition and sustainability-linked financing. Having worked across both the issuer and investor sides of the market, she brings a practical understanding of how sustainability objectives intersect with corporate strategy, financing decisions, investor expectations and market realities.

Previously, Manju was BMO Financial Group's inaugural Head of Sustainable Finance and Capital Markets ESG Lead, where she established and led the Sustainable Finance Advisory for corporate and institutional clients. She helped build sustainable finance as a new area of business within BMO Capital Markets and advised clients on sustainable bond underwriting, product development and other financing solutions.

She led the launch of BMO's Sustainable Bond Program and its landmark US$500 million sustainability bond issuance in 2019, co-authored BMO's Sustainable Financing Framework, and was a key contributor to the firm's CAD $400 billion sustainable finance commitment. She also served on BMO's firm-wide Sustainability Council.

Earlier in her career, Manju worked at Goldman Sachs in FICC Structured Finance and later led Fixed Income Risk & Performance Analytics at Goldman Sachs Asset Management. Her experience also includes fixed income portfolio management and quantitative investment analysis.

Beyond financial markets, Manju has more than two decades of leadership experience with nonprofits and social enterprises addressing environmental and social challenges. She is an American Marshall Fellow, Board President Emerita of Narika, former Executive Director of Singapore-based LEAP201, and a board director of Proximity Designs.

She holds master's degrees in business administration, mathematics and ethnomusicology.

The transition ahead will require more than commitments. It will require informed choices about strategy, investment, financing and partnerships.

Terra Impact works with leaders seeking to translate sustainability challenges into credible strategies and opportunities for long-term value creation.

Start a Conversation