Loan & Green Deal FAQ

Loan FAQs

Q: Who can apply?

A: Clubs who are voting members of the RFU and play at level 3 or below of English league.

Q: How much can my club apply for?

A: You can apply for an interest free loan of between £5,000 and £100,000 which will be repayable over a period of up to 15 years.  Typically, the following repayment periods apply to the amount of loan offered.  However, the RFF does have the flexibility to consider longer repayment periods depending on the club’s financial status:

£40,000 or less            5-8 years

£40,000-£75,000         10 years

£75,000-£100,000       15 years

Q: What can my club apply for?

A: Capital improvements to the club’s facilities which will support the retention and recruitment of players.  These can include pitches (land purchase, pitch construction, drainage and levelling), clubhouses (all areas apart from bars), floodlights and equipment which supports the playing of the game (grounds maintenance, goalposts and perimeter fencing).  Project fees and improvements to a club bar are ineligible for support but can be counted in the club’s partnership funding contribution.

Q: How does my club apply?

A: Complete and return the RFF Stage One Interest Free Loan Application Form along with a copy of the club rules, project design drawings (scale 1:100 if clubhouse), detailed QS estimate of project costs, latest three years of annual accounts, five year cash flow forecast, details on any existing debt secured against the property and evidence of tenure for a period at least matching the level of loan requested:

£5,001 - £10,000          5 years

£10,001 - £25,000        10 years

£25,001 - £50,000        15 years

more than £50,001       21 years

Q: When will I hear if we have been successful?

A: On reviewing your stage one application, the RFF will either confirm you can progress to stage two of the application or recommend that the club withdraw the application.  At stage two of the application, the club will need to provide a club plan demonstrating its retention and recruitment plans, support from the Constituent Body for the project, planning permission, three tenders and tender appraisal and evidence of partnership funding to achieve the total project cost.  The application will then be considered at the next Awards Panel Meeting (see above).

Q: When can my club deliver the project?

A: If successful the club will receive an award letter terms and conditions which should be signed and returned.  

The club will then need to secure the loan either through a restriction against the title for loans of less than £50,000 or with a charge against the property for loans up to £100,000 with the RFF’s appointed legal representatives Bates, Wells & Braithwaite (BWB).  On confirmation that the loan has been secured, the club can commence the project.  The RFF will not accept any retrospective applications for work that has already taken place or started before securing the loan.

Loan

Security

£100,000

Charge on the club’s land

£50,000 or over, but less than £100,000

Charge on the club’s land, unless either value of club’s land is minimal or the costs of taking a charge would be disproportionate, in which case a restriction is placed on the club’s land

Less than £50,000, and the club has a strong balance sheet

A restriction is placed on the club’s land

Less than £50,000, and where there are concerns over the club’s balance sheet

Charge on the club’s land

 

Q: How do I draw down the funds?

A: Once you have returned the signed grant acceptance form, secured the loan and fulfilled any award conditions, the club can commence submitting invoices for works completed to the RFF.  At this stage the RFF will make a payment to the club to the value of the loan awarded and the invoices submitted.

Q: Can I apply for a RFF grant to fund the same project as my loan application?

A: No, only one RFF funding stream may be used for each project – you cannot combine a grant and a loan application.

Q: Anything else I need to know?

A: Any club wishing to apply to the RFF for funding for any kind of pitch improvement works must have a groundsman registered with Rugby Groundsmen Connected.  To register or for more information, please email This email address is being protected from spambots. You need JavaScript enabled to view it. .

A: Clubs are at risk of not qualifying for RFF funding if they apply for planning permission before the plans have been approved by the RFF.

 

Green Deal Loan FAQs

Q: How does the RFF Green Deal work?

A: Interest Free loans up to £20,000 are available to clubs to invest in capital items that will improve the energy efficiency of their facilities. The energy saved will form the basis of the repayments.

Q: How do the repayments work?

A: The basis of the Green Deal loan is that the monthly savings on energy expenditure will accumulate over time to eventually cover the cost of the capital expenditure. The period of time that this takes is known as the ‘payback period’. So for example a £1,200 item that saved £100 of energy per month would have a payback period of one year. The repayments of a Green Deal loan used to cover this capital purchase would also therefore be £100 per month for one year.  The maximum repayment period available is 8 years.

Q: How will we know what we are likely to save on our energy bills?

A: Any reputable contractor will be able to provide detailed information on projected energy savings. The provision of this information is a key element in the RFF Green Deal application process. These projections should be bespoke to the club and based on the club’s existing energy use patterns. It should not be a generic ‘typical savings’ document provided by the supplier.

Q: Are there any other financial elements to the application process?

A: Yes. The RFF will carry out a basic review of the club’s accounts in conjunction with the calculation of the capital cost and repayment period.

Q: Will the Loan repayments be identical to the projected monthly energy savings?

A: Not quite. They will be closely based upon them but the RFF recognises that there is always an element of risk in any energy savings projection and as such the repayment period will include a project by project ‘buffer’ to cover off any issues arising from lower than expected savings.

Q: What does the RFF expect to fund via the Green Deal Loan?

A: Energy Efficiency items such as internal LED lights, boiler and heating systems, insulation solutions and cellar cooling devices are likely to fit the framework of the Green Deal Loan.

Q: How should we identify what items to invest in?

A: Every application to the RFF Green Deal loan must be accompanied with an independent, accredited energy survey which will highlight the areas that would benefit from energy efficient interventions.

Q: Can we apply for more than one capital item?

A: Yes. As long as the funding being applied for is £20,000 or less.  A ‘blended’ repayment schedule will be applied when different items have different repayment periods.

Q: Can clubs apply for energy generating solutions such as Solar PV Panels or Wind Turbines?

A: These are eligible items BUT are only supportable if a club can demonstrate that their existing facilities are already energy efficient. The RFF does not believe it is efficient use of its funding for a club to generate its own energy, only for the club to waste that energy.

Q: Can I discuss my application with someone?

A: You can discuss your application with your local RFF Case Officer whose contact details are as follows:

Area 1Area 2Area 3
Cornwall Middlesex Kent
Somerset Hampshire Surrey
Devon Oxfordshire Sussex
Dorset and Wilts Buckinghamshire Essex
Gloucestershire Berkshire  
     
Jon Bendle Jason Bowers Rick Bruin
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07753 881272 07703 466773

077380 29211

 

Area 4Area 5Area 6
NLD Lancashire Northumberland
Eastern Counties Cheshire Durham
Leicestershire Staffordshire Yorkshire
East Midlands North Midlands Cumbria
Warwickshire    
     
Pete Shaw Tom Bartram Alex Bowden
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07734 070674 07841 156806 07764 336701

Contact

Rugby House,
200 Whitton Road,
Twickenham
TW2 7BA
Tel: 020 8892 2000
Fax: 020 8896 9816
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