Renewable Energy

Renewable energy projects can be a great source of additional income and add real value to under-utilised land on your farm, or even turn waste products into revenue. We have over 20 years’ experience in renewables and will consider any proven technology, even pre-planning permission.

Our loans are typically used for construction finance, saving you from having to sell equity, and opening-up cheaper, long term debt once the project is operational.

Lending Critera Overview

Loan Size
£100,000 to £10,000,000
England, Scotland and Wales
Sole traders, partnerships, limited companies, tenant farmers with a right to buy
Loan to value limit
Agricultural land and property plus the renewable energy assets
Use of proceeds
Purchase or construction of any established renewable energy technology with established off-take
Age Limits
Before taking out a loan from us, it’s important to familiarise yourself with our Terms & Conditions.

Step 1

Step 2

Step 3

Step 4

Step 5

Step 6

Step 7

Step 8

Step 1

You decide to expand into renewable energy:

  • Research idea + expert advice
  • Business plan
  • Research different funding sources
Step 2

You contact us:

  • How much would you like and a brief outline of your renewable energy project
  • What’s the security currently worth
  • When do you need the money
  • Any existing debts
  • How will you repay us
  • Anything else we should know
Step 3

We send you a decision in principle for you to accept:

  • How much we can lend, the interest rate and any fees
  • Your only commitment at this stage is for any costs incurred on legal or valuation fees
Step 4

Your application goes to a dedicated loan officer:

  • They help and guides you through the process from start to finish
  • We instruct an independent valuation of the property
  • You appoint a solicitor to act for you
Step 5

Your loan officer asks for:

  • Information, such as bank statements, business accounts, tenancy agreements, your business plan, your team’s expertise, copies of fuel supply / construction / off-take contracts, a net worth statement and the plan to repay our loan
  • We do credit and land registry checks and the solicitors complete normal conveyancing checks
Step 6

We visit you at the farm to:

  • Get to know you and your current business, as well as your renewable energy plans
  • Understand your repayment plan
Step 7

Your solicitor:

  • Explains everything in the documentation
  • You ask about anything you don’t understand
  • You sign to confirm having received independent advice, then sign the contractual paperwork
  • We sign, the loan completes and you receive the funds
Step 8

You build your business and repay our loan

Case Studies

Renewable Project Financing

Our clients were beef hill farmers who had secured a feed-in tariff for a 600kW high-head run-of-river hydro power plant on their land in Scotland.