Lending Open

Steward Regenerative Capital

by Steward

Your 9-month loans to Steward Regenerative Capital enable us to provide short-term loans to regenerative projects—giving them the capital they need to grow.

Project Summary
  • Interest Rate: 6.5% APR
  • Rollover Premium: +0.50%
  • Loan Term: 9 months
  • Min. Loan: $100

Raised to date


Steward Regenerative Capital (SRC) is a portfolio of secured loans made to a diverse collection of regenerative farms, ranches, fisheries, and food producers. Through SRC, qualified lenders can support the work of regeneration that’s happening on the ground while receiving a fixed 6.50% annual interest rate, paid monthly.

Competitive Rate. Unbeatable Impact.

Steward Regenerative Capital provides short-term bridge loans, giving regenerative farms swift access to the funds they need to keep growing.

Qualified lenders can support a diverse collection of sustainable farms, ranches, fisheries, and producers by funding Steward Regenerative Capital. Simply choose your participation amount and receive a fixed 6.50% monthly interest, then re-lend your funds or withdraw with only 3 months of notice.

While Steward's direct-to-project loans fuel the long-term growth of regenerative farms, growers also face more immediate, short-term financial needs that must be met to maintain continuous production or pursue time-sensitive opportunities (e.g., farm expansion, construction loans, livestock processing, or purchasing equipment).

SRC is able to provide swift support for these short-term needs, keeping the producers producing through the unpredictable complexities of farming, family, and entrepreneurship. SRC supports agricultural stewards in the critical moments and helps them achieve stability before they embark on a larger capital raise.

This lending opportunity is another way you can propel regenerative agriculture forward.

  • Diversify your support by backing a collection of vetted regenerative farms, ranches, fisheries, and food producers;
  • Receive monthly interest payments with a fixed 6.50% APR through a 9-month term loan;
  • Lend with confidence knowing that your loan is secured by Steward’s entire suite of short-term loans.Put your resources to work by funding Steward Regenerative Capital!

Steward Regenerative Capital's Quick Impact:

Old Salt Co-op's Launch Funded by SRC

Old Salt Co-op offers a new model for producer-owned, vertically-integrated livestock processing. Their inspiring model allows the Co-op’s 5th- & 6th-generation ranches to keep the foods, jobs, value, and ecological benefits they produce safely rooted within their community.

Co-founder, Cole Mannix, and his team are pioneering a new model for regenerative food in their region.

In order to get started, Old Salt Co-op needed a bridge loan to secure equipment, leases, and inventory. SRC swooped in and gave them the capital they needed before they could launch a larger capital raise.

Saturn's Return Regenerative Farm & Inn Made Possible by SRC

Saturn’s Return is a regenerative farm and agritourism education center on San Juan Island in Washington. With a focus on building resilient regional food economies and food sovereignty, Saturn’s Return hosts thousand of guests and students every year.

Your loans to SRC allowed Steward to make a quick bridge loan to help Emma and Wiley secure the land, upgrade the facilities, and launch this new inspiring venture and opportunity for people from all over the country to come and experience regenerative agriculture for themselves.

Cairnspring Mills Regenerative Flour Ecosystem

Cairnspring Mills ia a community-driven regional flour mill proving it is possible to create quality jobs, higher margins for growers, and better flavors in every kitchen while maintaining a focus on careful stewardship of the land.

When founder, Kevin Morse, came to Steward in need of financing, your loans to SRC made it fast and easy for us to provide this incredible business with the support it needed.

Cairnspring Mills is now thriving, growing, and able to pursue a larger capital raise to help them build a new mill and meet incredible demand.

Diversification Yields Resilience

SRC Loan Book

Borrower Outstanding Principal % of Portfolio Term (Mo.) Maturity Date APR (%) Location
Amortizing Loans
Woodberry Kitchen
$82,000.00 1.14% 10 12/26/24 9.50% MD
McKaskle Family Farm
$264,548.02 3.67% 10 12/23/24 9.50% MO
Cairnspring Mills $1,274,014.85 17.70% 12 12/1/24 9.00% WA
Lil Bucks
Interest-Only Loans
Astoria Food Hub $1,350,128.00 18.76% 60 04/21/26 7.00% OR
Tre-Fin Day Boat Seafood $1,392,000.00 19.34% 18 05/23/24 7.25% WA
Circle Seafoods
$117,200.00 1.63% 12 12/29/24 10.25% AK
Old Salt Co-op $2,262,983.39 31.44% 60 11/08/28 8.00% MT

SRC Diversification Breakdown

Why did you create Steward Regenerative Capital?

Steward Regenerative Capital was created to provide short-term bridge funding to vetted agricultural businesses in Steward's network, while offering a diversified, semi-liquid lending opportunity with a reliable fixed interest rate and monthly repayments.

What is the minimum and maximum I can lend?

You can participate in Steward Regenerative Capital by lending as little as $100 to as much as $1,000,000.

Can I lend more than once to Steward Regenerative Capital?

Yes! Simply repeat the checkout process to lend additional capital.

Will the interest rate ever change?

The interest rate for Steward Regenerative Capital is subject to change. Steward will set raise $ limits or dates before ever reviewing the interest rate. Any loans made prior to rate adjustment will continue to receive the agreed upon interest rate for the duration of that loan period.

How do I withdraw my funds from Steward Regenerative Capital?

All loans made to Steward Regenerative Capital have a 9-month term. Upon completion, your principle will be returned in full to your Steward Wallet. You can withdraw funds early with at least 3-months notice by making a withdrawal request through the Holdings section of your Steward account dashboard. 

How do I receive my monthly interest payments?

Interest payments will be automatically deposited into your Steward Wallet on the 15th of each month. You can then transfer your funds out to your linked bank account or re-lend to Steward Regenerative Capital or another lending campaign.

What transaction methods are available when lending capital?

You can transfer funds by ACH (direct debit), wire transfer, or pay with funds in your Steward Wallet.

Why do I need to provide my personal information when lending to Steward Regenerative Capital?

Ensuring the security of financial transactions on our platform is of utmost importance here at Steward. In order to maintain strict privacy and safety standards, our payment facilitator must verify the identity of everyone who registers for a Steward payment profile by asking for such information as your Name, Address, Date of Birth (DOB), and Social Security Number (SSN) or Employer Identification Number (EIN).

This requirement ensures we comply with federal laws (like the US Patriot Act) and the requirements of the US Treasury Department and National Credit Union Association. Please don't be offended if we take extra steps to verify your account by asking for additional information, such as photo ID or documentation.

What is Steward Regenerative Capital's Automatic Rollover feature?

When you make a loan to Steward Regenerative Capital, you now have the option to enable Automatic Rollover. With this feature, the principal value of your loan will automatically roll over at maturity, creating a new loan with a new 9-month term and earning the prevailing base interest rate plus Rollover Premium. 

For more information, visit our Help Center here.

Learn more about Regenerative Capital in the Steward Help Center

SRC Performance Report: Q1 2024 Download
SRC Performance Report: Q4 2023 Download
Short-term Loan Agreement Download
SRC Performance Report: Q3 2023 Download
SRC Performance Report: Q2 2023 Download
SRC Loan Portfolio: Q1 2023 Download
Performance Report: October 2022 Download
Performance Report: September 2022 Download
Performance Report: August 2022 Download
Performance Report: July 2022 Download
Performance Report: June 2022 Download
Performance Report: May 2022 Download
Performance Report: April 2022 Download
Performance Report: March 2022 Download
Performance Report: February 2022 Download
Performance Report: January 2022 Download
Performance Report: December 2021 Download
Performance Report: November 2021 Download
Performance Report: October 2021 Download
Performance Report: September 2021 Download
Performance Report: August 2021 Download
Q3 2022 Balance Sheet Download
Q3 2022 Income Statement Download
Q2 2022 Balance Sheet Download
Q2 2022 Income Statement Download
Q1 2022 Balance Sheet Download
Q1 2022 Income Statement Download
2021 Balance Sheet Download
2021 Income Statement Download
Kevin Morse Download
Emma Rastatter Download
Cole Mannix Download

All the projects that have been successfully funded by Steward Regenerative Capital loans. Your contribution will be used to fund more amazing agriculture projects like these!

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