RSF provides values-aligned capital to support ventures that offer organic, natural, regeneratively produced or environmentally sustainable consumer packaged goods and healthy food products.
We seek to partner with natural food and fiber companies as well as mission-driven producers of natural skincare products, organic and sustainable clothing, and other consumer packaged goods that have a business model and ethos grounded in positive impact. We support enterprises that are committed to fair trade and consider the well-being of the communities and ecosystems throughout their supply chain.
The types of natural product ventures that are eligible for financing from RSF are incorporated in the U.S. or Canada and must be able to show a demonstrated commitment to creating positive change. General criteria for borrowers includes:
Annual revenue of at least $750,000
Excellent history of repayment on debt
Two or more years of operating history
Ability to provide collateral (which may include pledges or guarantees)
Operating cash flow positive or can demonstrate a path to an operating cash flow surplus in 12-24 months
Needs ranging from $200,000 to $5 million
Borrowing from RSF will be a different experience as we take a relationship-based approach with all of our clients. We work exclusively with impact-focused organizations and impact investors are our capital source. Our loans have supported the sustainability, development and scale of ventures that demonstrate a deep commitment to transparency, relationships and fairness throughout their supply chains.
We also know it takes more than capital to scale impact. Aside from loans, RSF’s integrated capital approach means we also provide network connections, advisory support and other forms of non-financial and resources.
Masienda brings Mexican landrace corn from across rural Mexico to U.S. consumers. The rise of cheap commodity corn has undercut the limited market access farmers have, and diminishing incomes has created an erosion of cultural traditions, genetic biodiversity, and self-sustenance. Masienda pays premium pricing for the corn available beyond the community’s needs, enabling the farmers’ continued, profitable investment into crops. RSF provided Masienda a line of credit which they will use to bridge inventory purchases and accounts receivable.
All Good is an organic skincare company with a vision to inspire people to live in balance with nature. All Good makes reef-friendly sunscreens and personal products, such as lip balms and hand sanitizer, from organic and botanical ingredients, including some grown on their farm in Morro Bay, California. All Good is a vocal advocate for legislation to ban the toxic chemicals found in most traditional sunscreens that disrupt marine ecosystems. In 2019, RSF provided All Good with a term loan and a line of credit to help with cash flow and support the company’s growth.
Timing and steps to receive a loanLearn more
No we do not require certification, but we do seek to understand each business and how they compare to peers within the industry. Our lending team will ask questions to help us understand an organization’s sourcing strategies because we think there’s a lot of benefit that comes from direct or fair trade supply chains and we will ask companies what tools or certifications they use to verify information.
We care a lot about healthy food and the role it has in nourishing communities. RSF’s funding specifically supports social enterprise so we want to understand how organizations are building impact into their business model before approving funding. We will seek to understand how a company sources ingredients; how a company treats and supports its employees; who has access to the food they produce; and how the company is creating impact relative to its peers.
RSF is only able to work with companies that are based in the United States and we can only finance the U.S. based assets of the mission-driven ventures and organizations we serve.
Yes, RSF uses the RSF Impact Assessment (RIA) to collect qualitative and quantitative impact information from borrower partners. The RIA is part of a multi-year effort to gather impact information which will be used to inform RSF management decisions, report RSF’s community impact in aggregate, and support individual borrower impact goals. The assessment seeks to embed Justice, Equity, Diversity, and Inclusion (JEDI) principles throughout the assessment as a priority focus on understanding borrower impact in communities.
RIA questions fall into six categories: Impact Model, Community and Field Building, Organizational Structure and Employee Experience, Resource Management and Supply Chain, Leadership and Organizational Culture, and Justice, Equity, Diversity, and Inclusion (JEDI).
The assessment survey takes about an hour to complete and we ask that it be updated annually so we can track and support progress over time.