Harvest Returns

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).

Not a grant or a government loan — Harvest Returns is a private platform that raises equity or convertible-debt capital for you from its investor base. You give up ownership or take on debt, and you pay to run the raise.

Raise sizes they publish

• Agribusinesses: "Established US-based agribusinesses that need flexible capital to expand their operations or develop value-added processing facilities ($500,000 - $10 million)."

• Agtech: "Early stage Agtech companies generating revenue who are raising a Seed - Series B Round (our average check size is $500,000). We invest in equity or convertible debt rounds."

• U.S. only: "Note, we are currently only raising capital for U.S.-based companies."

What the capital costs

• "Weighted average cost of capital from 2020-2024 is 7.5%" — this is their own historical figure across completed raises, not a quoted rate you would be offered.

• "Cost of capital is competitive with placement agents or other funding platforms."

• No fee schedule is published. Your actual costs are set in the engagement 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." Ask for that in writing, with all fees, before signing.

Ongoing obligations after the close: "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."

They disclose they are "not a registered broker-dealer, funding portal, or registered investment adviser" (an exempt reporting adviser), and that nothing on the site is investment advice. Reported closed raises on the page range from $230,000 to $1,555,000.

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.

How Our Platform Works