Loan
Foodshed Capital Farm & Food Business Loans
Foodshed Capital (nonprofit CDFI loan fund)
What you can get
$5,000 - $150,000 • Nonprofit CDFI loan fund. Rates 0%-6.75% (2024 average was 1.88%), with a half-point reduction for auto-pay; terms 3-7 years with an optional 3-month grace period. No credit score is pulled and credit scores are not part of underwriting. Businesses without historical financials are capped at $15,000 unless bridging a grant award. Loans cover equipment, working capital, sustainability improvements, and staffing - NOT farmland purchase. Free business advising is included for applicants navigating the loan process.
- Readiness
- Prep docs first
- Who can apply
- producer, Farmers and food business owners age 18+ who own or manage a registered business centered on food production and use regenerative agricultural practices, with at least two full seasons of production experience (one year for non farm food businesses); operations focused on hydroponics, aquaponics, alcohol, cannabis/hemp, commodity crops, or monoculture are not eligible.
- Coverage
- Available nationwide
- Deadline & timing
- Intake is available through the online lending portal with no published cutoff. Foodshed considers new U.S. locations through intake; its FAQ reports past lending in 19 states, DC and Puerto Rico.
- Eligibility
- Standard loan size cannot exceed the prior year of revenue. Applicants need an eligible food-focused regenerative business and relevant experience; evidence of business structure may include Schedule F. Tax compliance and financial need are considered. No farmland purchase. Geography is considered through intake; national coverage is not guaranteed.
Optional expert service · $249
Turn program research into an application package.
An eligibility screen for one farm, a shortlist of up to three relevant programs, and draft practice justifications and a document checklist for one selected application. Delivered within 7 business days after intake.
Last verified Oct 3, 2026. Always confirm current terms and deadlines on the official site before applying.
Plan your next step
Run a quick soil assessment or ask an agronomist how this program fits your fields.