Nature is infrastructure, and the UK now pays for the work it does. We finance that work with money from people and companies who invest with us for five years, with tax relief worth an effective 6.2% to 9.1% a year on top of the return.
Capital at risk. Investments are for at least five years and cannot be withdrawn early without losing relief. Tax relief depends on your circumstances. This page is information, not advice or an offer.
You invest a sum with Regenerative Finance for a minimum of five years.
We lend it to the people rebuilding natural infrastructure, against what the project will earn.
Each year for five years, you claim relief worth 5% of what you put in against your income tax or corporation tax. Unused relief carries forward within the five years, but you need the tax to set it against.
At the end of five years your money is due back, with the return set out in your investment terms. If loans fail to repay, you could get back less than you put in.
Relief of 5% a year is worth more to a higher-rate taxpayer. The table shows the return a taxable investment would need to earn before tax to match it, on top of the return the loans pay.
| Tax status | Tax rateRate | Effective annual returnReturn |
|---|---|---|
| Company, small profits rate | 19% | 6.2% |
| Company, main rate | 25% | 6.7% |
| Individual, basic rate | 20% | 6.3% |
| Individual, higher rate | 40% | 8.3% |
| Individual, additional rate | 45% | 9.1% |
Rates as they stand for the 2026 to 2027 tax year; Scottish income tax rates differ. The relief is set against income tax or corporation tax, not capital gains tax. Unused relief can be carried forward within the five years. It is reduced if money is withdrawn early, and it depends on your circumstances and on the scheme continuing in its current form. Responsible Finance, the trade body for community lenders, explains the relief independently.
Because we lend where banks will not, the government gives you tax relief worth 5% of your investment each year for five years. Depending on your tax rate, that is an effective annual return of 6.2% to 9.1%, on top of the return the loans pay.
Our loans are expected to be backed by the British Business Bank under the government’s Growth Guarantee Scheme, which would cover 70% of any loss if a loan does not repay. That reduces our losses and helps protect your money; it does not guarantee it.
The loans pay interest, and that interest is designed to pay you a return at commercial levels, set out in your investment terms.
UK income tax payers and UK companies with a tax liability to set the relief against, who can leave their money with us for at least five years. We will tell you the minimum investment and how to invest when you register your interest.
Your money pays for the work that holds floods, cleans water, shelters coasts, stores carbon and keeps soil on the fields. Each year we publish an impact report, available to anyone, showing what it has done.
Your capital is at risk and you could get back less than you put in. Loans to nature projects can and will sometimes fail to repay. Tax relief depends on your circumstances and on the scheme continuing in its current form. Investments cannot be withdrawn early without losing relief. The guarantee on our loans reduces our losses if a loan fails; it does not guarantee your investment. Regenerative Finance does not give financial advice; speak to an adviser if you are unsure.
The guarantee under the British Business Bank’s Growth Guarantee Scheme is yet to be finalised and confirmed, and is subject to change.
We will confirm the minimum when the offer opens. If you ask to be told when it opens, you will hear it from us first.
You claim it yourself, each year for five years, through your self-assessment return if you invest as an individual or your company's corporation tax return if you invest as a company, using the tax relief certificate we issue after you invest.
Yes. A company sets the relief against corporation tax at its own rate, and the table above shows what that is worth. An individual sets it against income tax.
The investment is for five years and is designed to be left for the full term. Money withdrawn early loses the relief for the years that follow, and we cannot promise early repayment, so please only invest what you can leave with us.
The loans we make pay interest, and that interest is designed to pay you a return at commercial levels. The rate and the payment dates are set out in your investment terms before you commit.
Your capital is at risk. Our loans to projects are expected to be backed by the British Business Bank's Growth Guarantee Scheme, which would cover 70% of a loss on a loan that does not repay. That reduces our losses; it does not protect your money if losses go further.
Our credit committee. Every project must restore nature in the UK, show income that can repay the loan, and pass the checks any lender would make before it is approved.
Ready to talk now? Register your interest.
Capital at risk. Tax relief depends on your circumstances and may change. This is information, not an offer. See our financial promotion notice.