Why Regenerative Producers Still Can’t Get Credit and How Integrated Capital Can Close the Gap
Автор: Sustainable Agriculture and Food Systems Funders
Загружено: 2025-12-02
Просмотров: 38
Despite evidence to the contrary, regenerative farmers, ranchers, and producers more broadly are often labeled as “too risky” by conventional lenders—not because of their actual performance, but because they fall outside the structures that define creditworthiness in industrial agriculture. This webinar, first presented at the 2025 SAFSF Forum, reframes the conversation around risk: What is real risk in ag lending, and what’s just a byproduct of broken systems?
Speakers examined how conventional lenders’ failure to offer patient, flexible capital options for regenerative producers is hindering the regeneration of a resilient and sustainable food system. Rather, the emergence of innovative, mission-driven lenders and investors who are reviving relationship and opportunity-based models is making it possible to put soil health on the balance sheet.
Speakers explored the emergence of loan guarantees—one of the most effective tools for unlocking credit where traditional underwriting falls short. Lenders have fewer ways to assess risk because regenerative producers often operate without subsidies, crop insurance, or conventional benchmarks, lenders have fewer ways to assess risk. Guarantees help close that gap, giving lenders a backstop and making it possible to finance operations that are sound but structurally excluded.
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