Browse Ambrook’s collection of grants, loans, discounts, cost shares, easements, and insurance for crowdfunding.

Application
- Apply for Funding
Due Diligence 
- If your project meets our requirements, we will request additional documents to learn more about your project. A clear and transparent business plan coupled with organized and complete financial projections are the best starting point. 
Listing Agreement
- The agreement lays out the terms of the crowdfunding raise and what you can expect from the process as far as time, effort, and costs to you.  
Live on Platform 
- After the project is set up and ready for investors, it goes live on the platform to accept investments from qualified investors. Harvest Returns will work to help you maximize the chances of a successful raise and maintain compliance with U.S. Securities regulations.  
Close Raise & Receive Funds
-  You will receive the funds after the raise has successfully closed. You will work with Harvest Returns over the course of the operation to keep investors updated, provide financial statements and tax documents, and make investor distributions.  

## Agricultural Financing in an Evolving Globalized Marketplace

We understand American farmers and ranchers need every cutting edge they can get today in every aspect of business - including finance. Increasingly, they’re competing not just with the farm in the next state and county, but with farms in emerging countries. The agricultural industry, especially producers, must evolve to fit with today’s globalized marketplace. And that’s&#x2004;where we come in to help.

## A New Way to Raise Capital for Agriculture

Farmers, ranchers, and agribusinesses often need capital to expand their operations or acquire new land. Most farmers automatically seek ag credit lenders for capital, because it’s what we all know as a traditional funding source. But there are other ways besides bank loans to receive the needed capital. The use of equity partners in crowdfunding is an alternate way to finance land acquisition.



Agricultural Financing in an Evolving Globalized Marketplace
We understand American farmers and ranchers need every cutting edge they can get today in every aspect of business - including finance. Increasingly, they’re competing not just with the farm in the next state and county, but with farms in emerging countries. The agricultural industry, especially producers, must evolve to fit with today’s globalized marketplace. And that’s where we come in to help.
A New Way to Raise Capital for Agriculture
Farmers, ranchers, and agribusinesses often need capital to expand their operations or acquire new land. Most farmers automatically seek ag credit lenders for capital, because it’s what we all know as a traditional funding source. But there are other ways besides bank loans to receive the needed capital. The use of equity partners in crowdfunding is an alternate way to finance land acquisition.

Who should raise capital with Harvest Returns?
- Experienced farmers, growers, ranchers, and landowners interested in expanding their operations or acquiring new land.
- Young farmers who have trouble getting traditional ag credit and want to get their own piece of land or buy out siblings on a multi-generational farm.
- Livestock ranchers who want flexible financing to grow their herds.
- Established agribusinesses that need outside capital to expand their operations or develop value-added processing facilities.
- Controlled Environment Agriculture developers.
- Early stage Agtech companies raising a seed round (our average check size is $500,000).

A way of raising money to finance projects and businesses by interacting with investors, whether crowdfunding or venture capital, often in exchange for equity.

Fundraising

To apply for a Kiva U.S. loan, start an application here.

The application is all online, and takes between 30 minutes and an hour to complete. Once you complete the application, a member of the Kiva U.S. team will reach out to you to better understand your business and ask any follow up questions. After reviewing the completed application, the Kiva U.S. team will determine what loan amount you qualify for and notify you of next steps.

If your application is approved, we’ll ask you to demonstrate your creditworthiness through our unique social underwriting.

More than 1.7 billion people around the world are unbanked and can’t access the financial services they&#x2004;need. Kiva is an international nonprofit, founded in 2005 in San Francisco, with a mission to expand financial access to help underserved communities thrive.


Kiva does this by crowdfunding loans and unlocking capital for the underserved, improving the quality and cost of financial services, and addressing the underlying barriers to financial access around the world. Through Kiva's work, students can pay for tuition, women can start businesses, farmers are able to invest in equipment and families can afford needed emergency care.



More than 1.7 billion people around the world are unbanked and can’t access the financial services they need. Kiva is an international nonprofit, founded in 2005 in San Francisco, with a mission to expand financial access to help underserved communities thrive.

Kiva does this by crowdfunding loans and unlocking capital for the underserved, improving the quality and cost of financial services, and addressing the underlying barriers to financial access around the world. Through Kiva's work, students can pay for tuition, women can start businesses, farmers are able to invest in equipment and families can afford needed emergency care.

Unlike traditional bank loans, Kiva loans don’t require a minimum credit score, years of cash flow documents or collateral. But you do need to meet the following minimum criteria in order to be considered:
- You and your business must be based in the United States.
- You must be over 18 years old.
- You must be using the loan for business purposes.
- Your business must not be engaged in any of the following activities: multi-level marketing / direct sales; illegal activities (e.g. gambling, scams); or pure financial investing (e.g. stocks)
- You cannot currently be in foreclosure, bankruptcy, or under any liens.
- You must be willing to demonstrate your social capital by having a small number of your friends and family make a loan to you.

A payment that must be returned to the provider following specified terms of repayment and interest rate.

Loan

Make an account here to start you application.

Steps to expect:
1. Apply: Complete the online loan application, telling us more about your business and financial needs.
2. Approval: Work with the Steward team to confirm loan terms and plan for your raise campaign on Steward’s lending platform.
3. Private Raise: Start by sending emails and making phone calls to invite qualified “anchor lenders” in your network to participate early in your campaign to build momentum.
4. Public Raise: Once a campaign reaches a certain percentage funded (typically 20-25%), the raise is featured on Steward’s public website. Here we co-market the campaign with outreach to prospective lenders in your community, as well as Steward's national lender network.
5. Receive Capital: After a successful raise, Steward will finalize its loan to your farm business by disbursing funds through our secure lending platform.
6. Grow: Expand your business and share your success! Begin repaying your loan to Steward starting 90 days* after the loan funds are received. At that point, Steward will automatically begin repayments to participating lenders in this project.

Unlike traditional banks or lenders, Steward is 100% focused on the growth of regenerative farms, ranches, fisheries, and local food producers. Steward offers business loans tailored to your specific financial situation. So whether you’re looking to add a hoop house, purchase new equipment, or acquire the land you cultivate, a Steward loan may help propel your business forward.


Steward loans range from $10,000 to $1,000,000+ (average loan ~ $50k, largest loan to-date $700k).


**What They Fund:**

- Human-scale fruit & vegetable farms, livestock (animals, poultry, eggs, etc.), seafood & aquaculture, food & textile products, supply chain & food system infrastructure.

- Funds may be used for equipment, infrastructure, land, inventory, working capital, marketing.



Unlike traditional banks or lenders, Steward is 100% focused on the growth of regenerative farms, ranches, fisheries, and local food producers. Steward offers business loans tailored to your specific financial situation. So whether you’re looking to add a hoop house, purchase new equipment, or acquire the land you cultivate, a Steward loan may help propel your business forward.

Steward loans range from $10,000 to $1,000,000+ (average loan ~ $50k, largest loan to-date $700k).

What They Fund:
- Human-scale fruit & vegetable farms, livestock (animals, poultry, eggs, etc.), seafood & aquaculture, food & textile products, supply chain & food system infrastructure.
- Funds may be used for equipment, infrastructure, land, inventory, working capital, marketing.

- 3+ years farming experience (new operations with significant experience)
- U.S. business in good standing (LLC, Inc., or registered nonprofit)
- Incorporate regenerative and sustainable practices
- Securable assets (loan collateralized by land, equipment, inventory, etc.) 


Certified Grassfed

Cover Crops

Soil Health

Air Quality

Certification

High Tunnel

Landscape

Wildlife & Pollinator Habitat

Español

Native Americans

People Of Color

Women

Local Food

Reduced Tillage

Certified Organic

Farmers Market

Conservation

Historically Underserved

Regenerative

Carbon Capture

Water Management

- Loan Terms: range from 36 months to 60 months (sometimes longer)
- Interest Rate: range from 5% to 10% depending on purpose of loan and state of business (6%- 8% is most common, all interest passed on to lenders).
- Repayment: typically begin 3-6 months after funds are disbursed.
- Fees: Steward charges a fixed 3% origination fee, that’s it.

List of Agricultural Funding for Crowdfunding