Organic Grain Farm Investing in Renewable Energy

• Credit score B

The farm is an established family-run operation seeking a 5-year term loan with a customized repayment schedule, where annual instalments are timed to follow the cash flows of the harvest season. The farm is KRAV-certified and grows organic milling oats, winter wheat, barley and faba beans on some 200 hectares, in a crop rotation where nitrogen-fixing legumes and clover leys contribute to soil health, biodiversity and reduced dependency on purchased inputs. The purpose of the loan is to refinance a recently completed investment in rooftop solar panels and battery storage, which lowers the farm's energy costs and climate footprint, and to strengthen working capital through the growing season until harvest income is received.