Loan to purchase a nearby 30-acre dairy and organic herd, expanding operations and regeneratively managing more pastureland in the region.
Cottonwood Farms is a multi-generational family dairy farm that has operated in the southeast corner of Genesee County, New York since 1880. Father-and-son team, Paul and Jason Tillotson attribute the farm’s longevity to their family’s openness to change and willingness to innovate in a shifting agricultural landscape. With Jason now preparing for his son, Zack, to return after completing his agribusiness degree, the family is expanding operations to ensure the next generation can continue their longstanding commitment to caring for the soil and the land they steward.
In 1955, the Tillotsons became the first family in the valley to build a milking parlor. By 1999, they moved away from the conventional dairy model and committed to improving soil and animal health through an ambitious grazing program. They earned Organic Certification in 2006 and have since adopted automated milking systems that support natural cow movement and greater efficiency.
Today, Cottonwood Farms is operated by the family’s 4th and 5th generations. With this new expansion, they milk over 300 cows and manage approximately 830 acres of owned land plus an additional 200 acres of leased land, producing thousands of pounds of organic milk for a regional milk co-op.
They continue to regenerate land, produce healthy organic milk, create high-quality jobs, and demonstrate that long-term stewardship can be both a viable and rewarding endeavor.
This loan will be used to purchase a 30 acre dairy farm approximately 5 miles from the Tillotson’s current operation, adding the capacity to milk an additional 50–60 cows. The new property is already set up for rotational grazing and is an important piece of the puzzle as the family plans for the next generation to return to the farm after college and continue to manage land regeneratively. This loan will be used to purchase the property, acquire an organic dairy herd, add milking robots and make essential upgrades to fully prepare the site for an effective dairy operation grounded in regenerative land management.
Cottonwood Farms is committed to regenerating ecosystem resources and upholding generational stewardship. They pursue these goals through a number of practices across land, animals and community. These include:
Ecological Stewardship:
Social Stewardship:
Cottonwood Farms is an existing certified organic, human-scale, managed-grazing dairy operation. Jason Tillotson has started a sister company, JT & Son Dairy LLC, with his son to purchase an additional herd and manage more acres regeneratively. JT & Son Dairy will maintain the same stewardship practices as the Tillotsons’existing farmland. Their thoughtful commitment to animal welfare, ecological resilience, and the integration of technology through robotic milking systems sets them apart from other dairies. Throughout the term of the loan Cottonwood is committed to:
This loan will be made to JT & Son Dairy LLC, a New York State limited liability company that manages an organic dairy herd and sells organic milk to Horizon Organic. JT & Son Dairy LLC is a sister company to Cottonwood Farms, created to support the next generation’s transition into farm management, with Jason Tillotson as the sole owner.
This loan will be used to purchase a 30 acre organic dairy property, located at 6321 East Bethany Leroy Road, Stafford, NY 14143. The purchase includes the farmland, dairy herd, robotic milking equipment and key property upgrades needed to ensure the land is set up for regenerative management. The loan will also fund all closing costs and fees.
The total loan amount is $1,530,000.00 which will allow the business to purchase the new property, located 5 minutes from the Tillotson’s current farmstead. The borrower’s interest rate is 8.5%, with a net interest rate of 8% being passed on to participating lenders (accounting for a .5% servicing spread). The loan has a 60-month term. Payment will be deferred for the first four (4) months after origination of the loan, followed by eight (8) months of interest only payments and then Principal and Interest payments beginning in month thirteen (13) on a 20-year amortization schedule.
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