About Soil Capital

Soil Capital

The Soil Capital programme is designed to support farmers in transitioning to more profitable and regenerative agriculture. Starting with a baseline, and annual assessments thereafter, farms that reduce their greenhouse gas (“GHG”) emissions or sequester additional carbon in their soils, will generate verified carbon certifications or SCU's (Soil Capital Units). These SCU's are then bought by companies looking to improve the resilience of their supply chains, paying farmers for their essential contribution to soil health, climate change mitigation and food security.

Soil Capital’s support for farmers looking to introduce more resilient and profitable practices allows participating farms to apply for the Oxbury Transition Facility simply using the extensive data already collected as part of the programme.

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 while making changes intended to support lower-emission and more resilient farming.

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. The facility financially incentivises and rewards to who are transitioning – or planning to transition – to practical on-farm changes that can support progress towards lower-emission and nature-friendly farming.

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

  • Carbon Footprints: Required at the outset and throughout the transition to track emissions reductions
  • Earth Observation: Once the application has been successful, Oxbury offers customers access to a free soil organic carbon insight service in partnership with Downforce Technologies that uses satellite data and farm-level information to help provide a clearer picture of soil organic carbon on the farm.
  • Data Sharing: Evidence of sustainable improvements can be shared with supply chain partners and government bodies to demonstrate positive environmental outcomes

Oxbury offers flexible financing options based on the stage of your transition: 

  • Exploring & Planning:  A facility of up to two years for those in the early stages of change
  • Implementing & Advancing: A facility of up to six years for those actively transitioning and expanding their plans

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 Soil Capital programme participant?

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

Much of the qualifying evidence can be collected directly from the Soil Capital Platform and guidance on how to do this will be provided following enquiry.  

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 below. 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.

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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.