Our Programs

California FarmLink offers unique programs designed to help farmers, ranchers, and fishers who have historically been denied equal access to land, capital, and education. Participation in our programs and services is guided by a client journey to ensure effective support focused on business resilience.

Lending and Loans

California FarmLink is a Community Development Financial Institution (CDFI) and mission-driven lender that has provided more than $75 million in loans to farmers, ranchers, and fishers since 2012. Our team specializes in the unique financing needs of agriculture and fishing businesses, offering fair and affordable loans to those who have historically faced barriers to access. Beyond lending, we provide educational courses, technical assistance, and support with land tenure agreements, combining the strengths of both 501(c)(3) nonprofits and CDFIs to create lasting opportunities for our clients.

Program Purpose

Providing access to loans and support for underserved farmers, ranchers, and fishers.

Natural resource-based businesses need access to fair and affordable loans, knowledge for effective financial management, and business technical support to create and sustain resilience.

Equity, Fairness, and Flexibility

By using an equity lens in our loan review process, we center flexibility and prudence to support clients’ well-being. Our loan underwriting philosophy uses a framework centered on: Commitment, participating in FarmLink courses and one-on-one business assistance; Conditions, such as planning repayment around  seasonal cash flow; Character, recognizing that measures such as a credit score are inadequate; and Capacity, ensuring viable repayment plans that support long-term success.

Explore Our Values
farmer in a field
farmlink employees tabling at a conference

Specialized Expertise

The businesses we serve are defined by how they use natural resources and our team has a depth of unique expertise. Analyzing a natural resource-based business requires an understanding of the quality of the natural resource base, the nature of certain assets including permanent crops such as orchards, inherent risks associated with weather, pests, disease, fire and other natural forces, and legal rights including owning or leasing land, crop shares, grazing permits, ownership or leasing of fishing permits and quotas.

Ongoing Partnership, Education, and Assistance

Borrowers can access an interest rate discount on their loans when they complete FarmLink courses and follow-up workshops. Loans are also coupled with assistance on planning and management topics to support business  resilience. In addition, when natural disasters strike, our community of borrowers can access additional support, including payment deferrals, 0% disaster loans, or assistance with accessing private and public financial relief programs.

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students listening to a class taught by farmlink

Who does our loan program serve?

$12.8M
Loan Volume

Total loans to farmers and fishers (2024)

$1M
Loan Volume

Total loans for disaster assistance (2023-24)

California FarmLink is committed to expanding access to resources and opportunities for a diverse range of agricultural professionals, including farmers, ranchers, and fishers. We recognize that some individuals may have faced historical challenges in accessing land, capital, and education, which can impact their ability to build wealth in the agricultural sector.

Our program aims to support agricultural entrepreneurs who have demonstrated commitment to their businesses. We serve individuals with at least two years of experience owning or operating their agricultural or fishing enterprises. By providing tailored financial solutions and support, we strive to foster a more equitable and resilient agricultural community.

Equity & Conservation on Working Lands (ECWL)

The Equity and Conservation on Working Lands (ECWL) program helps farmers who have historically faced barriers to land access and ownership. It offers support in securing land tenure, navigating business transitions, and planning for farm succession. Additionally, the program provides guidance on conservation programs to ensure long-term sustainability for working lands.

Program Purpose

Supporting farmers and ranchers with land tenure, succession, and agreement-building services

Secure land tenure is a fundamental requirement for building wealth and investing in conservation and climate resilience.

The Land Portal

Landseekers and landholders use this custom-built online community to establish relationships focused on achieving good land tenure. Its bilingual capability connects people, facilitates access to land and business opportunities, and provides landseeker profiles to build connections and community. The portal is also a gateway for accessing assistance with land leases and other types of agreements and technical assistance that can support equitable access to economic opportunity in agriculture.

Go to Land Access
two farmers walking in row crops on a sunny day
Farmers in conversation walking on a dirt path amongst row crops

Agreement-Building Services 

Every land tenure arrangement is unique, and we work as multipartial advocates aiming to address the needs and expectations of all parties. Built over two decades, our library of land tenure agreements and specialized lease clauses supports agricultural land leases, grazing contracts, sale of a business, use and maintenance of irrigation/infrastructure, and more. Our equity-focused approach can help landholders and farmers achieve secure land tenure. Increasingly, we provide services that support farmers to access land in small groups, often in collaboration with other nonprofits.

Go to Agreement-Building Services

Succession Planning

Done well, land and business succession planning can preserve small farms and ranches and expand ownership opportunities in agriculture. Our long-time succession work has evolved to become The Regenerator: A Year of Farm Succession Planning, a course that engages families and successors in monthly cohort meetings and additional, individual meetings to foster communication and create customized, actionable succession plans.

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family of four smiling

Who does ECWL serve?

35
Agreements

Total agreements completed in 2024

$1M
Loan Volume

Total loans for disaster assistance (2023-24)

California FarmLink focuses on expanding access to land, capital, and education for farmers, ranchers, and fishers who have historically faced barriers to building wealth. By providing tailored resources and opportunities, FarmLink helps business owners with at least two years of experience strengthen and grow their operations.

Resilience & Wealth Building (RWB)

The Resilience and Wealth Building Program (RWB) offers courses and technical assistance to help farmers, ranchers, and fishers manage the legal, financial, and labor aspects of their businesses. The programs equip participants with practical skills to reduce risk and strengthen long-term viability. Through co-learning opportunities, clients gain insights from peers and mentors, building confidence and a supportive professional community.

Program Purpose

Empowering farmers, ranchers, and fishers with knowledge for business resilience

Understanding and managing business structures, assets, and risks can create opportunities for long-term wealth building.

The Resilerator™ & El Resilerador™

The 10-week Resilerator course - called El Resilerador in Spanish - offers a comprehensive business curriculum for people with at least two years’ experience as business owners. The courses are offered in distinct English- and Spanish-language cohorts and learning environments. Past graduates often serve as guest instructors to enhance peer-to-peer learning.

Go to Courses
woman kneels amongst sheep smiling
Farmers in conversation walking on a dirt path amongst row crops

The Employment Resilerator™ & Resilerador Laboral  

This course teaches participants to become exceptional employers by improving workplace culture, creating high-quality jobs, and fostering healthy, respectful environments. Topics include reducing stress, understanding California farm labor law, and minimizing absenteeism and turnover. Offered in English and Spanish, the course features peer-to-peer learning with past graduates often serving as guest instructors.

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Bookkeeping in Practice

This course helps farmers, ranchers, and fishers improve financial management using QuickBooks. Participants learn to set up or streamline bookkeeping systems, record income and expenses, track assets, and perform monthly reconciliations — building reliable systems that support cash flow and long-term business resilience.

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Farmers in conversation walking on a dirt path amongst row crops

Evaluating & Supporting Farmers, Ranchers, and Fishers

This four-week course helps business advisors understand what to expect when working with farmers, ranchers, and fishers.  It also supports an ecosystem of business advisors, offering opportunities to connect with peers, share strategies, and collectively identify and address issues that may threaten the long-term viability of these businesses.

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Ongoing Partnership, Education, and Assistance

Graduates of the courses gain access to follow-up workshops and expert guidance, providing support for effective planning and management that enhances the resilience of farm, ranch, and fishing businesses.

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Who does RWB serve?

98
Graduates

Total grads of The Resilerator (2022-24)

49
Graduates

Total grads of El Resilerador (2022-24)

California FarmLink focuses on expanding access to land, capital, and education for farmers, ranchers, and fishers who have historically faced barriers to building wealth. By providing tailored resources and opportunities, FarmLink helps business owners with at least two years of experience strengthen and grow their operations.

Business Skills Development (BSD)

The Business Skills Development (BSD) Program focuses on building clients’ financial and business skills through one-on-one technical assistance and expanding the ecosystem of services to support those goals. BSD also plays a versatile role helping clients with disaster relief along with cross-program teams supporting conservation and organic farming.

Program Purpose

Offering technical assistance solutions for business resilience

Farmers, ranchers, and fishers need unique capabilities and expertise in their work at the core of healthy, local food systems.

Technical Assistance

Equitable access to affordable financing is strengthened by developing and maintaining sound business practices. This work involves cross-team collaboration with external business services. The process is guided by a deliberate client journey to ensure a consistent standard of care and support for our clients.

Go to Courses
Farmers in conversation walking on a dirt path amongst row crops

Business Services Hub

The specialized business advice that our clients require calls for supporting bookkeepers and tax preparers in developing industry-specific expertise while lowering the direct cost to clients. The Paso a Paso business skills program for Spanish-speaking clients takes a step-by-step approach to strengthen business skills.

Disaster & Economic Relief

Natural resource-based farming and fishing businesses are different from other types of small businesses. During COVID-19, and now during California’s fire and flood disasters, the B&I team supports clients’ access to private, state, and federal resources to support their businesses. The process starts with evaluating clients’ circumstances and options. On a limited basis, we can help submit applications and other actions to support equitable access to various programs and resources.

To learn how you can support disaster relief for farmers and fishers, email us.

Flooded field on a sunny day

Who does B&I serve?

53
Farmers

Received disaster assistance in 2024

27
Clients

Received 1-on-1 technical assistance in 2024

California FarmLink focuses on expanding access to land, capital, and education for farmers, ranchers, and fishers who have historically faced barriers to building wealth. By providing tailored resources and opportunities, FarmLink helps business owners with at least two years of experience strengthen and grow their operations.

SolarFresco

The SolarFresco™ pilot program supports small scale farmers in leading the transition to climate-smart cooler technology in agriculture. By installing portable solar-powered coolers on farms, SolarFresco supports healthy and resilient regional food systems, as well as environmental responsibility, business efficiency, and the opportunity to build wealth through innovative, scale-appropriate technologies.

Program Purpose

Support small farm innovation with pragmatic solutions to bolster resilience

Farmers and ranchers benefit from on-farm cooler technology, greater business efficiency, and the opportunity to expand healthy regional food systems.

Why SolarFresco?

California FarmLink believes in small-scale farmers as innovators committed to the wise use of resources. We deliberately direct new opportunities and technical assistance  to groups that have historically been denied access to new technologies that can support business success. With SolarFresco, we aim to increase access to innovations that can improve business viability and the resilience of local food systems with off-grid renewable energy.   

A solarfresco solar powered cooler stands in an unpaved part of a field
Two workers set up a solarfresco solar powered cooler in an unpaved part of a field

Exploring Impacts

As a pilot program, SolarFresco clients help to define the impact of climate-smart technologies on farms. The opportunity to lease and install portable solar-powered coolers on farms enables clients to access new markets, reduce the number of miles driven for wholesale deliveries, extend the sales season for less perishable crops, and collaborate with other farmers to diversify products for sale.

Qualifications

To qualify for participation, applicants must have been a FarmLink borrower, Land Portal member, or participant in our educational programs. Additional criteria include a focus on those with limited incomes and wealth, legal rights to the land where the cooler will be located, and active participation in customized business technical assistance and detailed program evaluation.

Inquire Now (in English)
Solicite Información (en español)
A man smiles and stands in front of a solarfresco solar powered cooler being set up

Who does SolarFresco serve?

6
Farmers

Signed leases and installed coolers in 2024-25

4
Farms

Have been approved for the next set of installations.

California FarmLink focuses on expanding access to land, capital, and education for farmers, ranchers, and fishers who have historically faced barriers to building wealth. By providing tailored resources and opportunities, FarmLink helps business owners with at least two years of expeirence strengthen and grow their operations.

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