Practice-Based Lending Available

Finance that sees the value in your practices

We price risk differently. Your RegenScore unlocks rate discounts and cashback rewards on transition loans, working capital, equipment finance, and land purchases.

Rate discounts and cashback for high RegenScores
Grant stacking and blended capital support
No early repayment penalties
Unlock Your Benefits
FCA regulated partner lenders
Regeno Finance
Your RegenScore
78
Mid Performer
Rate Discounts + Cashback Qualified
Available Products
Transition Loan
✓ Qualified
Working Capital
✓ Qualified
Equipment Finance
✓ Qualified
Your Benefits
Better rates & cashback
Grant stacking support
Flexible repayment terms

Finance products for your transition

Comprehensive funding solutions designed for regenerative farming, with your RegenScore unlocking better terms across all products.

Regen Transition Loan

Fund big regenerative changes — infrastructure, machinery, land improvements — while keeping cashflow healthy.

  • £25k–£500k+ over 2–7 years
  • Fixed monthly or seasonal payments
  • Grant stacking support included
Rate discounts + cashback with qualifying RegenScore
Regen Working Capital Line

Smooth seasonal cashflow, cover input costs, or bridge between grant payouts.

  • £25k–£250k revolving facility
  • Draw when needed, pay interest only on use
  • Designed for lumpy income patterns
Cheaper than overdrafts
Regen Equipment Finance

Upgrade to regen-friendly kit without draining cash reserves.

  • Hire purchase or lease options
  • 2–7 year terms
  • Pre-approved regen-compatible suppliers
Aligns with productivity uplift
Regen Land & Infrastructure

Buy or improve land, build regenerative infrastructure for long-term value.

  • £100k–£2m+ up to 15 years
  • Fixed or variable rates
  • Blended capital stack support
Weighted on long-term outcomes

How your RegenScore unlocks benefits

We reward farmers for regenerative performance with rate discounts and cashback rewards for tangible impact.

80-100
RegenScore
Premium Benefits
Rate discounts + cashback rewards
✓ Longer repayment terms
✓ Higher loan-to-value
✓ Lower collateral required
65-79
RegenScore
Enhanced Benefits
Rate discounts + cashback rewards
✓ Flexible terms available
✓ Standard loan-to-value
✓ Score improvement support
<65
RegenScore
Standard
Competitive base rate
✓ Full product access
✓ Practice improvement guidance
✓ Path to better rates

Simple, transparent process

Your existing compliance work and farm data unlock rate discounts and cashback rewards.

1

Share Your Practices

Upload existing compliance evidence to calculate your RegenScore - we already understand what you do.

2

Get Your Rate

Your RegenScore automatically qualifies you for rate discounts across all loan products.

3

Access Full Stack

We help combine loans with grants and private capital for complete transition funding.

Practice-verified underwriting

FCA Regulated

Partner lenders fully regulated by the Financial Conduct Authority

Farmer-First

We price risk on what you do on the land, not just your balance sheet

Compliance OS

Track all grant and covenant obligations in one portal

Your practices = Your advantage

We see the value in your regenerative practices that traditional lenders miss. Your soil health, biodiversity measures, and nutrient management translate directly into better lending terms through our practice-verified underwriting.

Start Your Application