Foundations & Institutional investors
The Farm & Ranch Prosperity Fund
If you would like to learn more about investing for social impact with California FarmLink, please email or call us.
The Farm and Ranch Prosperity Fund is composed of debt and equity capital from a diverse group of social impact investors. Funds are provided through investments of debt, as well as grants for equity, from investors representing private foundations, community foundations, investment firms, wealth management offices, banks, and public agencies. Banks have an opportunity to fulfill obligations required by the Community Reinvestment Act when they make equity-equivalent (EQ2) investments with California FarmLink. Donors and foundations have the opportunity to make contributions to the loan fund to build its equity and thus support its potential for near-term leverage and long-term growth.
California FarmLink is certified by the U.S. Treasury as a Community Development Financial Institution. Our purpose as a CDFI is to provide loans to low-income farmers and ranchers who may not otherwise be able to access affordable business loans.
Sample Investment Terms
Minimum Investment
$250,000
Maximum Investment
$5,000,000
Typical Term
5–30 years
Interest Rate
0–3%*
*dependent on principal amount, term, and investor requirements including but not limited to loan and interest forgiveness, geographic restrictions, specific people served, and other social impact metrics.
California residents & companies
FarmLink Investment Notes
The FarmLink Investment Notes enable Californians to join us in delivering fair and affordable loans to underserved farmers and ranchers. To learn more please fill out the form linked below. You will immediately receive the Offering Memorandum by email. Thank you!
Questions? Email us or call (831) 271-5070 ext. 7019
The FarmLink Investment Notes provide a community-based approach enabling individuals and organizations to make smaller investments in our loan fund. Our mission-based lending provides operating and equipment loans, land loans, and lines of credit. We have also designed loans to help farmers and ranchers to invest in conservation
practices and on-farm housing.
Farmers and ranchers need access to capital, particularly those who have faced challenges in securing fair and affordable financing. Fewer banks are lending to small farms, and many beginning farmers are disqualified from business loans due to limited financial history. Many farmers also lack personal networks that could help them access affordable business capital. As a result, too often farmers turn to credit cards or predatory lenders with high costs, which can hinder their growth potential.
With the FarmLink Investment Notes, California residents (and companies incorporated in the state) can invest in Farmlink's work to support farmers and ranchers. We invite you to join dozens of people who hold the Notes. They are available to people wanting to make a positive impact and with an ability to invest at least $1,000. With your support, we can grow our loan fund to serve more farmers. develop
resilient businesses and produce healthy, local foods.
Investment Notes Terms
Note
Open To
Minimum per Investor
Maximum per Investor
Term & Interest Rate
FarmLink Investment Notes
All California residents, regardless of wealth or income*
$1,000
$400,000
2 year: 0–0.75%
3 year: 0–1.25%
5 year: 0–1.75%
7 year: 0–2.25%
3 year: 0–1.25%
5 year: 0–1.75%
7 year: 0–2.25%
20th Anniversary Note
All California investors, regardless of wealth or income*
$10,000
$400,000
20 year: 0–3.00%
* The aggregate amount of investment in FarmLink must be consistent with the Investor Suitability standards on page 16 of the Offering Memorandum. You can receive the memorandum by submitting an inquiry.
NOTE: THE COMMISSIONER OF FINANCIAL PROTECTION AND INNOVATION OF THE STATE OF CALIFORNIA DOES NOT RECOMMEND OR ENDORSE THE PURCHASE OF THESE SECURITIES.
Accredited investors
National Notes
The National Notes Offering enables accredited investors* in nearly all states to be part of supporting our loan fund for farmers, ranchers, and fishers. Our certification as a CDFI enables mission-based lending for business operating expenses or equipment, land loans, and lines of credit. We have also designed loans to help farmers and ranchers to invest in conservation practices.
To learn more, email us.
Farmers, ranchers, and fishers need access to capital, especially those who have been historically denied equitable access to fair and affordable loans. Fewer and fewer banks lend to small business owners who depend on natural resources for their livelihoods. Their business models and risk profiles are fundamentally different from other businesses.
Many beginning farmers struggle to qualify for business loans due to limited financial history, while others lack personal networks that could connect them to affordable financing options. As a result, farmers and fishers often turn to credit cards or predatory lenders with high interest rates and rigid terms, creating financial burdens that can limit their ability to grow and sustain their businesses.
With the National Notes, accredited investors* – often working with advisors focused on investing for social impact – can invest in our work. This offering is made possible under SEC Rule 506(c). With your support, we can grow our loan fund to serve more people, develop resilient businesses, and support healthy local food systems.
Investment Notes Terms
Note
Open To
Minimum per Investor
Maximum per Investor
Term & Interest Rate
National Notes Offering
Accredited investors within or outside of California
$100,000
$3,000,000
2 year: 0–0.75%
3 year: 0–1.25%
5 year: 0–1.75%
7 year: 0–2.25%
10 year: 0–2.5%
3 year: 0–1.25%
5 year: 0–1.75%
7 year: 0–2.25%
10 year: 0–2.5%
* Requires net worth over $1 million, excluding primary residence (individually or with spouse or partner); and annual income over $200,000 (individually) or $300,000 (with spouse or partner) in each of the prior two years, and reasonably expects the same for the current year. Learn more here.
Additional Information
- Interest will be paid on an annual basis. Principal will be paid at maturity unless the Note is renewed or principal is paid before the maturity date at FarmLink’s discretion. No selling agent or broker-dealers will be engaged to assist with the Offering. This Offer will terminate one year from the date of commencement, unless renewed by FarmLink.
- These Notes are offered under Rule 506(c) of Regulation D under the Securities Act of 1933. This Rule 506(c) offering is limited to accredited investors, as defined in Rule 501 of Regulation D, and each investor in the Rule 506(c) offering will be required to provide documentation of accredited investor status.
- The Securities and Exchange Commission has not made an independent determination that any of these securities are exempt from federal registration.
- These Notes are subject to restrictions on transferability and resale and may not be transferred or resold except as permitted under the Securities Act of 1933 and the applicable state securities laws.
PLEASE NOTE: This information is not an actual offering and for discussion purposes only.
Annual Reports & Financial Statements
To get a better understanding of our portfolio, visit our impact to review all of our annual reports & financial statements.
Go to Reports
