Sustainability Linked Loans

Loans designed to reward farmers and growers who are improving their environmental and social impact.

How it works

Our Sustainability Linked Loans (SLLs) are the first incentive-based loans available for New Zealand farmers and growers, encouraging you to increase your positive and reduce negative environmental and social impact.

Part of your loan’s pricing is linked to a set of pre-agreed environmental and social key performance indicators (KPIs) in areas where your agribusiness can make material change. Pricing can be adjusted annually depending on how you track against the KPIs over the life of the loan.

1. Select your KPIs

We’ll agree together on a minimum of three KPIs, which you’ll choose from a preset list. These remain constant over the life of the loan.

2. Establish a baseline

A baseline level is established on-farm by an independent accredited auditor.

3. Track progress

The KPIs are assessed annually through an on-farm audit to verify performance.

Personalised options for agribusinesses

SLLs are available to agribusinesses that meet our baseline lending and credit criteria, and can demonstrate good existing on-farm sustainability practices.

Download our fact sheet (PDF 522KB)

Potential savings

Any savings can also be reinvested into your agribusiness to further improve your environmental, social, and governance (ESG) performance.

Strategic alignment

Align your agribusiness’ strategy with your borrowing and boost employee engagement.

Enhanced reputation

Appeal to the conscious consumer who values sustainability.

Find out more

To find out if an SLL is right for your agribusiness, you can get in touch by: 

Lending criteria, terms and conditions and fees apply, including those that apply to the base product.

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