About the project

G & A Bertram is a livestock farm located in Biggar, in the Scottish Borders, which through the support of NatWest Group has established woodland creation as part of its business model.

What was the climate opportunity or challenge the business faced?

The livestock element of the farm is currently manged via contract arrangement. However, the opportunity arose to use more of the farm’s potential through the establishment of woodland creation which would attract full grant funding.


How did NatWest Group help?

The Royal Bank of Scotland (RBS) supported the business through an interest-only Green Loan, which helps eligible UK businesses finance business assets to support their sustainability ambitions. The loan will help to cover the costs involved in the woodland creation over a 12-month period – preparing the ground, planting the trees and erecting a fence surrounding the area – until the grant monies are received. 

Access to the loan in the required timeframes, arranged through one of RBS’s sector-qualified relationship managers, has enabled the customer to proceed with all works in ample time during the preferred weather conditions. This has meant that there has been no impact on the customer’s core cash flow from beef and sheep production.


This article is for media use only and is not a financial promotion.

Royal Bank of Scotland Green Loans

Green Loans with no arrangement fee (Royal Bank of Scotland Green Loans) are open to applications from UK businesses with an annual turnover of less than £25m (other than for UK Real Estate Finance businesses for whom alternative criteria may apply) who are seeking to take out a loan to acquire assets that fall within the eligible list developed by the bank and subject to review and change on an ongoing basis (the Eligible List).

The Eligible List is informed by Royal Bank of Scotland’s Climate and Sustainable Funding and Financing Inclusion Criteria (the CSFF Criteria). However, categorisation of the loan as a Royal Bank of Scotland Green Loan does not imply and should not be taken to mean that the loan and/or its terms and conditions align with any “green” or similar taxonomy, standards, guidance or principles in the UK or elsewhere including, but not limited to, the LMA Green Loan Principles.

Security may be required. Fees (other than arrangement fees) may apply. Over 18s only. Subject to status, eligibility and approval. Business use only. Any property or asset used as security may be repossessed or forfeited if you do not keep up repayments on any debt secured on it. Failure to comply with the terms of the loan agreement could lead to an event of default under the loan and (depending on their terms) may also impact other facilities of the borrower. Terms apply.

This announcement is published by NatWest Group plc (together with its subsidiaries “NatWest Group”), for information and reference purposes only and is intended to provide non-exhaustive, indicative and general information only, it does not purport to be comprehensive, and it does not provide any form of legal, tax, investment, accounting, financial or other advice. Recipients should make their own independent evaluation of this information and no action should be taken, solely relying on it. NatWest Group makes no representation or warranty (express or implied) of any kind, as regards the accuracy or completeness of this information, nor does it accept any responsibility or liability for any loss or damage arising in any way from any use made of or reliance placed on, this information.

For more information on our activity on climate, environment, social and governance matters, please see NatWest Group’s 2022 Climate-related Disclosures Report (PDF 9.7MB) and NatWest Group’s 2022 Environmental, Social and Governance Supplement (PDF 9.6MB)

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