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TO BUILD A MORE EQUITABLE AND REGENERATIVE LOCAL FOOD ECONOMY THROUGH MISSION-DRIVEN LENDING AND CUSTOMIZED BUSINESS SUPPORT.
A GENUINELY DIFFERENT APPROACH
We are changing the face of farm finance using mission-driven lending. We prioritize those who have been underserved by historically extractive and discriminatory financing, specifically Black and Indigenous people of color, immigrants, women and non-binary people, and those with low-income or limited assets.
Access to capital is consistently one of the biggest barriers to success for small farmers, but we believe most of the financial "solutions" presented are simply reinventing the wheel—new iterations of extractive models that force farmers to offer a return of and return on investment. The stress of those returns, coupled with the unpredictability of a changing climate, means farmers are forced to carry an inequitable portion of risk.
To support the long-term viability of food businesses rather than short-term profits from loans, lenders must truly move outside the box of traditional financial models. And that's exactly what we're doing.
THE WORLD WE ENVISION CENTERS THESE VALUES:
Everyone should have equal access to capital. We prioritize partnering with people of color, women, immigrants, LGBTQIA, and beginning farmers and business owners.
Mother Nature is on her own timeline. Flexibility and responsiveness to borrowers is vital when things don't go as planned.
Risk is inherent to the work of farmers and entrepreneurs. It is only fair that lenders shoulder some of that risk, particularly as our climate changes.
The process of applying for a loan should be straightforward and transparent, and borrowers should be able to access capital in a timely fashion.
Borrowers deserve a lender who is focused on their long-term viability and stays in touch during good times and bad.
Farming does not have to be extractive. Food production should protect and regenerate ecosystems, increase biodiversity, and prioritize the wellbeing all.
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