About Framework for Improving Nitrogen Efficiency (FINE)

The Framework for Improving Nitrogen Efficiency (FINE) integrates scientific and remote sensing expertise with soil and field data into a single online service.  FINE guides farmers and agronomists to use the right amount of Nitrogen, in the right part of the field, at the right time, with the right product.  This enables farmers to improve profitability, while optimising Nitrogen Use Efficiency, yield and protein in wheat.

Participation in FINE enables farms to simply and easily provide the required evidence for the Oxbury Transition Facility.

What is the Oxbury Transition Facility?

The Oxbury Transition Facility is the first of its kind for UK farming businesses. It provides flexible funding to help farmers manage cash flow and capital needs as they transition to lower-carbon, more resilient farming systems.

With growing pressure from climate change, government policies, and supply chain demands, Oxbury recognises the need for financial support to help farmers adopt sustainable practices. This facility financially incentivises and rewards those who are transitioning—or planning to transition—to farming methods that reduce carbon emissions and improve soil health.

Beyond access to finance, the Oxbury Transition Facility helps farmers measure and demonstrate the impact of their changes. It includes:

  • Carbon Footprints: Conducted by farmers at the outset and throughout the transition to track emissions reductions.

  • Earth Observation: Oxbury has partnered with Downforce Technologies, who combine satellite data with on-the-ground insights to calculate and track Soil Organic Carbon (SOC) improvements.
  • Data Sharing: Evidence of sustainable improvements can be shared with supply chain partners and government bodies to demonstrate positive environmental outcomes.

What are the benefits of an Oxbury Transition Facility?

Facility amounts of up to £500 per hectare farmed with a minimum facility size of £25,001 to a maximum of £500,000
Interest rates from 1% above the Bank of England base rate for a period of up to 6 years
Annual facility fees from 0.5% of the facility amount
No early repayment charges
No need to change your existing bank relationship
Flexible repayment terms based on cash flow, facility can be continuously repaid and withdrawn during the facility period. Interest payable monthly on outstanding balance
Register interest

What must I provide to qualify as a FINE programme participant?

  • Evidence of your participation in the FINE programme.
  • A carbon footprint no older than 24 months from the time of the application.
  • An electronic map of your farm.

As a fully regulated bank Oxbury will undertake standard bank opening verification checks. This will require you to provide consent for Oxbury to conduct appropriate Credit Reference Agency searches to support your application and to underwrite the facility.  All applications are subject to status. Terms and conditions apply.

Please contact us by completing the enquiry form. An Oxbury Relationship Manager will contact you to discuss the product and details in relation to the transition activity, with you prior to completing an application.

Get in touch

Please select 'Framework for Improving Nitrogen Efficiency ' as the value chain partner.
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More information about Oxbury Transition Facility

We do not prescribe specific actions that you must undertake with the facility, but your participation in grant schemes and supply chain arrangements provide evidence of the changes already underway.

In some cases, depending on the size of the facility, we may require security.

 

Once approved, you can self-serve through our Oxbury Online Banking platform, giving you the ease and flexibility to control when you want to drawdown funds and when you want to repay any utilised credit. If you prefer direct contact we have a customer services team, as well as your assigned Relationship Manager.