Finance and Borrowing

HSBC Sustainable Farming Pathway

HSBC Sustainable Farming Pathway
Where a farming business achieves and maintains the required standard of one of the participating schemes within the Sustainable Farming Pathway, they are eligible for discounted loan arrangement fees on applicable products.

Support for farm businesses

Like many markets globally, agriculture in the UK is facing sustainability challenges. The sector needs to meet consumer demand for nutritional food, while supporting human health and protecting the environment.

The HSBC Sustainable Farming Pathway's aim is to support farmers transition to more sustainable farming practices and contribute to a more resilient food supply chain, by offering access to discounted loan arrangement fees.

Today we finance a number of industries that significantly contribute to greenhouse gas emissions, we have a strategy to help our customers to reduce their emissions and to reduce our own. For more information on this, please visit hsbc.com/climate.


What is the HSBC Sustainable Farming Pathway?

The HSBC Sustainable Farming Pathway enables eligible farm businesses to access discounted loan arrangement fees on applicable products for amounts between £25,001 and £25m and the funds can be used for any corporate purpose.

To be eligible you must hold one of the following:

  • LEAF – a copy of your LSFR Record of Completion or your LEAF Marque.
  • Soil Association – Annual Report.
  • Cefetra Ecosystem Service – Farm GHG Harvest Balance Report.
  • First Milk - Copy of Annual Pledge and Regenerative Farming.
  • For Soil Capital - Farm GHG Harvest Balance Report.

Lending is subject to credit status.

Access discounted loan arrangement fees

Applicable products

  • Flexible Business Loan
  • Commercial Mortgage
  • Property Development Loan

You will need to demonstrate you meet the required standard in one of the Sustainable Farming Pathway participating schemes. The HSBC Sustainable Farming Pathway does not require evidence of use of proceeds.

Participating Schemes:

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Linking Environment And Farming (LEAF)

Farming businesses who hold LEAF Marque certification are eligible. If you’re still preparing for LEAF Marque certification, you can access the HSBC Sustainable Farming Pathway upon completion of the LEAF Sustainable Standard Farming Review (LSFR). You’ll need to complete the LEAF Marque audit within 12 months of completing your LSFR to continue to access discounted loan arrangement fees.

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Soil Association

Farming businesses who hold a Soil Association Annual Report with a status of ‘In conversion’ or ‘Organic’ are eligible.

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Cefetra Ecosystems Services

Farming businesses who can provide their Farm GHG Harvest Balance Report, produced within the last 12 months, which demonstrates they are below their base line figures are eligible.

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Soil Capital

The Soil Capital Carbon Programme is designed to support farmers in adopting and scaling regenerative agricultural practices, utilising the mySoilCapital GHG assessment platform to track progress.

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First Milk

First Milk supports their members to practice regenerative agriculture, using science and technology to develop understanding and methods that “benefit the planet and their members.”

Your questions answered

Important information

To participate in the HSBC Sustainable Farming Pathway, as part of the application process you'll need to share appropriate evidence from a participating scheme with us. We’ll validate these details to confirm you meet the qualifying criteria.

We’ll need a copy of one of the below:

  • LEAF – a copy of your LSFR Record of Completion or your LEAF Marque.
  • Soil Association – Annual Report.
  • Cefetra Ecosystem Service – Farm GHG Harvest Balance Report.

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