A thriving
economybusinesscommunityfarmfamilycountry
needs healthy nature.
The UK used to buy its protection from floods, silt and drought with concrete, chemicals and insurance claims. Now it pays nature to do the job, and the expected income can repay the loans. Letting nature decline is the costlier choice: the Green Finance Institute puts it at up to 12% of the country's output.
Restoration that pays its way.
We lend where nature does a job someone will pay for. Here are two examples of how it works.
A farmer’s least productive field
The problem
A field that loses money in most years.
The work
The farmer restores it as habitat, with hedgerows, meadow and wet scrapes, and registers the gain as biodiversity units.
Who pays, and why
A local housing or infrastructure scheme buys the units to meet its legal duty to leave nature in a better state than it found it.
The loan
Our loan pays for the restoration up front. The sale of the units repays it, and the field brings the farmer a better income than it did.
A wetland above the railway
The problem
A stretch of line floods every few winters, and each closure costs the operator fares, repairs and compensation.
The work
A landowner upstream turns low-lying fields into a wetland that holds the storm water back.
Who pays, and why
The line floods far less often. The operator pays the landowner a share of the revenue it no longer loses, under contract, over years.
The loan
Our loan pays to build the wetland. The operator’s payments repay it.
Our money's on nature.
If nature can do the job, we will try to fund it. Let's talk.
Talk to us