{"id":71040,"date":"2025-02-06T07:25:45","date_gmt":"2025-02-06T07:25:45","guid":{"rendered":"https:\/\/peraltafinancing.com\/agriculture\/new-fbn-pilot-offers-rewards-to-farmers-with-regen-ag-practices\/"},"modified":"2025-02-06T07:25:45","modified_gmt":"2025-02-06T07:25:45","slug":"new-fbn-pilot-offers-rewards-to-farmers-with-regen-ag-practices","status":"publish","type":"post","link":"https:\/\/fivemor.com\/?p=71040","title":{"rendered":"New FBN pilot offers rewards to farmers with regen ag practices"},"content":{"rendered":"


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Farmers Business Network<\/a> (FBN) has launched a pilot, the Regenerative Agriculture Financing (RAF) Land Loan program, to reward farmers financially for implementing regenerative agriculture practices.<\/p>\n

Select farmers that employ water and soil health practices such as no-till and cover cropping, and that meet criteria outlined by the Gradable platform<\/a> and the Environmental Defense Fund<\/a> (EDF), will be able to access discount interest rates through the new program on newly financed land for seven years.<\/p>\n

The project comes out of research done by EDF showing that borrowers and farmers would be willing to adopt some regen ag practices and provide data in exchange for a reduction in land financing interest rates, Dan English, GM of FBN Financial, tells AgFunderNews<\/em>.<\/p>\n

\u201cOur mission at FBN is to help make farmers more profitable,\u201d he adds. \u201cAs the sustainability landscape evolves, we want to help farmers make money off [regenerative agriculture] and not just have it be another requirement they need to comply with.\u201d<\/p>\n

If the pilot proves successful, it will be the start of \u201ca much bigger initiative to reward farmers for taking these practices,\u201d he says.<\/p>\n

The Walton Family Foundation<\/a> provided a $750,000 program-related-investment (PRI) loan and grant for the pilot.<\/p>\n

\u201cThey\u2019re always looking for ways to support programs like this, and they have a particular mission to support areas within the Mississippi River watershed,\u201d says English. \u201cAnd so some of the conversations grew out of that. We told them what we were doing, explained some of our history [in the region] and what the potential benefits would be. And it turned out to be a great fit.\u201d<\/p>\n

The Foundation\u2019s capital will serve as the second lien on each loan.<\/p>\n

\u2018An extra dollar saved can go a long way\u2019<\/h4>\n

The RAF pilot will select around 20 farmers \u2014 based on a first-come-first-served basis, says English \u2014 to participate, and provide them with discounted interest rates ranging from 0.25% to 0.50% on newly financed land for seven years.<\/p>\n

\u201cParticularly this year with the ag economy<\/a>, the extra dollar saved can go a long way for folks,\u201d he adds. \u201cAs we think about ways we can save farmers money this year, [RAF] is certainly one.\u201d<\/p>\n

Selected participants will agree to implementing soil and water health practices including no-till or reduced till and cover cropping\/winter cash crops; they must also satisfy annual environmental benchmarks and assessments.<\/p>\n

Participants must also demonstrate \u201cresponsible fertilizer use\u201d as laid out in criteria developed by EDF. Gradable, meanwhile, will assist farmers with data collection and verify program results.<\/p>\n

\u201cA lot of the folks that we talked to on the environmental side are excited about this because it really rewards early adopters and people who are [transitioning to regenerative agriculture] because they wanted to test things out, make their land sustainable before they were even getting paid for it,\u201d says English.<\/p>\n

At the same time, he notes that the new project will also reward existing regen ag practices done on newly financed land.<\/p>\n

A \u2018first of its kind\u2019<\/h4>\n

FBN\u00a0launched its regenerative ag fund in 2022<\/a> as a new credit facility to reward growers implementing sustainable farming practices. The RAF program is a first of its kind in the industry, says English, who adds that the magnitude of the discount for the real estate loan is bigger than it is on a regular FBN operating loan<\/a>.<\/p>\n

The aim of the pilot is to showcase the interest from farmers willing to go through the process, and build momentum quickly in order to offer the program to thousands of farmers in the future, he says.<\/p>\n

\u201cThis is really designed to show that we can get good quality credit farmers in here. They\u2019re going to be able to repay their loans. We\u2019ll be able to administer the discount. This is how it will provide a framework for additional funding over time\u201d<\/p>\n<\/p><\/div>\n\n","protected":false},"excerpt":{"rendered":"

Farmers Business Network (FBN) has launched a pilot, the Regenerative Agriculture Financing (RAF) Land Loan program, to reward farmers financially for implementing regenerative agriculture practices. Select farmers that employ water and soil health practices such as no-till and cover cropping, and that meet criteria outlined by the Gradable platform and the Environmental Defense Fund (EDF), […]<\/p>\n","protected":false},"author":1,"featured_media":71041,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[12026],"tags":[15919,37252,2212,1042,16681,37253,12852],"dealstore":[],"offerexpiration":[],"class_list":["post-71040","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-agriculture","tag-farmers","tag-fbn","tag-offers","tag-pilot","tag-practices","tag-regen","tag-rewards"],"yoast_head":"\nNew FBN pilot offers rewards to farmers with regen ag practices - Som2ny Network<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/fivemor.com\/?p=71040\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"New FBN pilot offers rewards to farmers with regen ag practices - Som2ny Network\" \/>\n<meta property=\"og:description\" content=\"Farmers Business Network (FBN) has launched a pilot, the Regenerative Agriculture Financing (RAF) Land Loan program, to reward farmers financially for implementing regenerative agriculture practices. 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