Changing the “Debt-to-Equity” Ratio for Farmers of Color
Автор: Sustainable Agriculture and Food Systems Funders
Загружено: 2023-08-07
Просмотров: 153
Co-hosted by SAFSF and California FarmLink -- Watch to learn about innovations in how lenders, impact investors and funders think about helping farmers of color build equity. Most lenders limit credit based on the “debt-to-equity” ratio, or how much wealth the borrower already has. Limited equity limits access to credit, and the absence of credit limits opportunity to build equity, perpetuating the status quo. Generous credit terms provided by mission-driven lenders are only part of the solution. The other part of the solution are mechanisms that build up equity – the value of what is owned. In this session we will discuss combining equity-building loans, equity investments, and grant programs with educational programs designed to help entrepreneurs pursue equity-building strategies.
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