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Inventory Financing

Loan Size: $250k - $5,000,000+

Term: 6-18 months

Repayment Structure: We do not offer revolving lines of credit. Loans are either a single disbursement or multi-disbursement loan paid down over time. Flexibility is offered for interest only payments followed by fully amortized payments.

Collateral & Security Requirements: Minimum security requirement is a lien on all AR and inventory being financed. Minimum Debt Service Coverage Ratio (DSCR) of 2x, Minimum Current Ratio of 1.5

Process: Apply for a loan via our online application and a Steward team member will reach out to walk you through the process. Diligence timelines are dependent on business readiness. 30-60 days is typically required for diligence.

Differentiators:

  • We specialize in working with farms and food businesses purchasing regeneratively grown ingredients
  • We are a mission-aligned partner and as obsessed with regenerative sourcing as you are
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Previous Borrowers

Check out other farms and food businesses that have worked with Steward to purchase inventory to fuel the growth of their business:


Cairnspring Mills
Land Acquisition

By stone milling non commodity, regeneratively raised grains direct from the farmer, Cairnspring Mills offers a healthier flour source in the Pacific Northwest.

Lil Bucks
Land Acquisition

Lil Bucks and their line of tasty and nutritious buckwheat treats is creating national market demand for certified regenerative food.

McKaskle Family Farm
Land Acquisition

McKaskle Family Farm is a regenerative grain farm and rice mill that has been operated by seven generations of the McKaskle family in Braggadocio, Missouri.
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Join a growing community of regenerative farms and food businesses accessing the resources they need to flourish.

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