Food & Agriculture

RSF is dedicated to the development of healthy food systems as a foundation for more vibrant and resilient regional economies. With a commitment to biodynamic and high integrity organic farming, we also see agriculture as critical to restoring the earth and environment, and supporting human health.

For enterprises working in food & agriculture, RSF has two loan options:

  • Social Enterprise Lending
  • PRI Fund

Borrower Criteria

Social Enterprise Lending

RSF provides mortgage loans, construction loans, equipment loans and working lines of credit. Loans range from $200,000 to $5 million. Successful applicants to the Social Enterprise Lending Program will demonstrate the following:

  • 3 or more years of operating history;
  • Enterprise is profitable, or can demonstrate a clear path to profitability in 12 months;
  • Annual revenue of $1 million or greater preferred.

In addition, the enterprise should be working in one of the following areas:

  • Infrastructure – building components of the value chain that support a robust and resilient regional food system including aggregation, distribution, processing, packing, and equipment
  • Food access – increasing access to wholesome and healthy food for people who need it most
  • Food waste – redistributing food waste to food-insecure populations or to value-added processing for new consumer products
  • Agricultural practices – producing grass-fed meat or practicing no-till, organic, and biodynamic farming to create healthier ecosystems and healthier product

PRI Fund

The PRI Fund supports regional, sustainable food systems and is specifically focused on funding organizations addressing key issues in food production, food access, value-added processing, distribution, retail, and waste management.

Loans start at $50,000 for non-profit and for-profit social enterprises. Recipients of PRI loans must meet a set of strict criteria to demonstrate that funds will be used entirely for charitable purposes.

Apply for a Loan

If you are interested in a loan and your social enterprise meets these criteria, please fill out our online loan application.

Once we have received and approved your pre-application, a Lending Program representative will contact you to determine a fit and, if appropriate, invite you to submit a full loan application. This will require additional documentation, which generally includes historical and projected financial statements, board officer and management resumes, and a narrative business plan.

Learn More

Contact Kate Danaher at or 415.561.6181

Featured Borrowers

Click on the photos below to learn more about some of the enterprises we support.

Intervale Center

Founded in 1988, the Intervale Center is focused on strengthening community food systems in Vermont by improving farm viability, supporting the stewardship of agricultural lands, and engaging in the local food system.  Intervale runs a farm incubation program, a conservation nursery and a food hub, and provides low-cost or free business consulting services to new and established farmers. RSF financing supports Intervale’s food hub enterprise.

DC Central Kitchen

DC Central Kitchen is America’s leader in reducing hunger with recycled food, training unemployed adults for culinary careers, serving healthy school meals, and rebuilding urban food systems through social enterprise. Since its founding in 1989, DC Central Kitchen has trained and employed at-risk adults to prepare and deliver over 25 million meals to underserved populations. RSF financing will support upgrades to the organization’s fleet of delivery vehicles.

Common Market Philadelphia

Common Market Philadelphia is a values-driven wholesale consolidator and distributor of local food, creating a much needed link between local farmers and the urban marketplace. Common Market empowers, strengthens, and connects two vulnerable communities: Philadelphia area farmers and urban consumers who lack access to healthy, local food, grown within 100 miles of Philadelphia. In 2010, RSF provided Common Market with a line of credit; and in 2012, a mortgage loan to purchase their 73,000 square foot distribution center and food hub.
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