Project delivery

As part of your loan agreement,your organisation is required to submit Quarterly Monitoring Reports (QMRs) using the tailored template we provide at the beginning of your project. These reports are due by the 15th of the first month of each quarter and are essential for:

• Keeping your project on track
• Supporting effective risk management
• Enabling us to report accurately to our scheme funders, the Welsh Government

The main contact for your project is accountable for submitting Quarterly Monitoring Reports and ensuring all information is accurate. While consultants or contractors may assist with delivery, the main contact must complete and submit the report directly.

Each Quarterly Monitoring Reports has three key sections:

1. Measure progress
    A high-level summary of progress on each measure, with optional commentary.
2. Project report
    Detailed updates, including progress against milestones, upcoming focus areas, and any key risks, issues, or required approvals.
3. Statement of expenditure
    Evidence of spend (e.g. invoices) to confirm funds are used for the agreed project measures.

Guidance is included within the template to support accurate completion. Your relationship manager may follow up with any queries after submission - please ensure availability to respond promptly.

In line with schedule 4 of your loan agreement, your project has specific conditions of funding associated with key project milestones. These conditions must be resolved to ensure that your project remains aligned with the original proposal as well as to ensure your project remains compliant within the scheme criteria.

Your Salix relationship manager will be able to provide guidance on the information required to resolve outstanding conditions and clarify any questions you may have.

Please note that failure to provide the required information to resolve conditions, in a timely manner after the associated milestones are reached, may result in your loan funding being at risk.

Your loan repayment schedule is detailed in schedule 2 of your Loan Agreement. It outlines the full repayment timeline, with all loan funds to be repaid by 31 October 2049.

Repayment dates

• Annual repayments are due each year on 28 February.
• Details on when repayments begin are outlined below.

Interest & capital repayments

• Interest begins accruing from the loan drawdown date.
• Interest repayments start on 28 February 2026 and continue annually.
• Capital repayments begin after project completion, also on 28 February each year.
• Both interest and capital are collected as a single annual payment.

Early repayments

Early repayments are permitted at no additional cost. To make an early repayment:

• Notify Salix at least three months in advance of the next repayment date (i.e. by 28 November for the following February)

For any questions or to arrange early repayment, please contact your Salix relationship manager.

• Q1 Monitoring report: 15 April
• Q2 Monitoring report: 15 July
• Q3 Monitoring report: 15 October
• Q4 Monitoring report: 15 Jan
• Annual repayment date: 28 Feb

Yn rhan o’ch Cytundeb Benthyciad, mae’n ofynnol i’ch sefydliad anfon Adroddiadau Monitro Chwarterol (QMRs) gan ddefnyddio’r templed wedi’i deilwra yr ydym yn ei ddarparu ar ddechrau eich prosiect. Disgwylir yr adroddiadau hyn erbyn y 15fed o fis cyntaf bob chwarter ac maent yn hanfodol ar gyfer:

• Cadw eich prosiect ar y trywydd iawn
• Cynorthwyo rheolaeth risg effeithiol
• Caniatáu i ni adrodd yn gywir i arianwyr ein cynllun, Llywodraeth Cymru

Y prif gyswllt ar gyfer eich prosiect sy’n gyfrifol am anfon QMRs a sicrhau bod yr holl wybodaeth yn gywir. Er y caiff ymgynghorwyr gynorthwyo â gwaith cyflawni, mae’n rhaid i’r prif gyswllt gwblhau ac anfon yr adroddiad yn uniongyrchol.

Ceir tair adran allweddol i bob QMR:

1. Mesur Cynnydd 
    Crynodeb lefel uchel o gynnydd ar bob mesur, â sylwadau dewisol.
2. Adroddiad Prosiect 
    Diweddariadau manwl, gan gynnwys cynnydd yn erbyn cerrig milltir, meysydd nesaf o bwyslais, ac unrhyw risgiau allweddol, problemau, neu gymeradwyaeth sy’n ofynnol.
3. Datganiad o Wariant 
    Tystiolaeth o wariant (e.e. anfonebau) i gadarnhau bod cyllid yn cael ei ddefnyddio ar gyfer y mesurau prosiect y cytunwyd arnynt.

Mae canllawiau wedi’u cynnwys yn y templed i gynorthwyo i gwblhau’n gywir. Gall eich Rheolwr Perthynas gysylltu wedyn ag unrhyw ymholiadau ar ôl cyflwyno—gofalwch eich bod ar gael i ymateb yn brydlon.

Yn unol ag atodlen 4 eich cytundeb benthyciad, mae gan eich prosiect amodau cyllid penodol yn gysylltiedig â cherrig milltir prosiect allweddol. Mae’n rhaid bodloni’r amodau hyn i sicrhau bod eich prosiect yn dal i fod yn gyson â’r cynnig gwreiddiol yn ogystal ag i sicrhau bod eich prosiect yn parhau i gydymffurfio â meini prawf y cynllun.

Bydd eich Rheolwr Perthynas Salix yn gallu cynnig cyfarwyddyd ar yr wybodaeth sy’n ofynnol i fodloni amodau sydd heb eu bodloni ac egluro unrhyw gwestiynau a allai fod gennych.

Sylwer y gallai methiant i ddarparu’r wybodaeth ofynnol i fodloni amodau, yn brydlon ar ôl cyrraedd y cerrig milltir cysylltiedig, arwain at beryglu cyllid eich benthyciad.

Nodir manylion eich amserlen ad-dalu’r benthyciad yn Atodlen 2 eich Cytundeb Benthyciad. Mae’n amlinellu’r amserlen ad-dalu lawn, ac mae’n rhaid ad-dalu holl gyllid y benthyciad erbyn 31 Hydref 2049.

Dyddiadau Ad-dalu

• Mae ad-daliadau blynyddol yn ddyledus bob blwyddyn ar 28 Chwefror.
• Amlinellir manylion pryd y bydd ad-daliadau yn cychwyn isod.

Ad-daliadau Llog a Chyfalaf

• Mae llog yn dechrau cronni o ddyddiad tynnu’r benthyciad i lawr.
• Mae ad-daliadau llog yn dechrau ar 28 Chwefror 2026 ac yn parhau’n flynyddol.
• Mae ad-daliadau cyfalaf yn dechrau ar ôl cwblhau’r prosiect, hefyd ar 28 Chwefror bob blwyddyn.
• Cesglir llog a chyfalaf fel un taliad blynyddol.

Ad-daliadau Cynnar

Caniateir ad-daliadau cynnar heb unrhyw gost ychwanegol. I wneud ad-daliad cynnar:

• Hysbyswch Salix o leiaf tri mis cyn y dyddiad ad-dalu nesaf (h.y. erbyn 28 Tachwedd ar gyfer y Chwefror dilynol)

Os oes gennych unrhyw gwestiynau neu yr hoffech drefnu ad-daliad cynnar, cysylltwch â’ch Rheolwr Perthynas Salix.

• Adroddiad Monitro Ch1: 15 Ebrill
• Adroddiad Monitro Ch2: 15 Gorffennaf
• Adroddiad Monitro Ch3: 15 Hydref
• Adroddiad Monitro Ch4: 15 Ion
• Dyddiad Ad-dalu Blynyddol: 28 Chwe