ROOTED IN REGENERATION NOTES

Since 2014, Iroquois Valley has offered promissory notes to accredited investors as a way to support organic, regenerative farmers through fixed-income securities. These investments have fueled our mission to meet farmers where they are, design flexible financing tools, and generate meaningful financial, social, and environmental returns.
Evolving to Meet Farmer Needs
Our Rooted in Regeneration Note is a natural evolution of this work. It responds to a deep need within the organic, regenerative farming community: supporting socially disadvantaged farmers—primarily Black, Indigenous, and other People of Color (BIPOC)—who have historically faced steep barriers to land ownership and financing, despite their long-standing commitment to organic and regenerative practices.
- In 1900, BIPOC farmers made up 13.3% of all U.S. farmers; by 2017, that number had fallen to just 4.5%.
- According to the World Wildlife Fund, Indigenous communities—while comprising less than 5% of the global population—protect 80% of the planet’s biodiversity.
We recognize that while land tenure for BIPOC farmers is not the core focus of our model, expanding access to capital for these farmers is essential to building a more just, resilient agricultural system.

How the RNR Note Works
Investors in Rooted in Regeneration Notes choose to divert a portion of their return to a shared pool that provides discounted mortgage interest rates to eligible farmers.
To qualify, farmers must:
- Pass Iroquois Valley’s due diligence process
- Engage in conservation and regenerative practices
Be classified as socially disadvantaged under the USDA definition (currently includes BIPOC farmers)
This is a reparative investment model—one that seeks to channel capital toward closing systemic gaps in land access and financing.
A Shared Effort
We deeply respect and acknowledge the leadership of organizations that have long focused on this work. We encourage investors seeking deeper engagement with BIPOC farmers and land justice to explore opportunities with partners such as:
Investment Details
- Loan capital to Iroquois Valley
- Structured to provide reparative support for BIPOC farmers
- Your investment helps fund discounted mortgages for farmers practicing conservation-based agriculture
- Interest paid to investors: 0.5%–3.0%
- Interest contributed to regeneration pool: 1.0%–1.5%
- Terms: 3, 5, or 7 years
- Minimum investment: $25,000
- Available to accredited investors only
- Not typically available in brokerage accounts
Not sure if you qualify as an accredited investor? Visit the SEC website to review qualifications.
Complete our Investor Inquiry Form at the top of this page to discuss available options.

RNR NOTES
This offering is temporarily closed as we get ready to launch our updated offering. Please email coordinator@iroquoisvalleyfarms.com to be notified when it re-opens.
➤ Inclusive, impact-driven structure |
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➤ Interest diverted from investor returns creates discounted mortgage rates |
➤ Available in 3, 5, or 7-year terms |
➤ $25,000 minimum investment |
➤ 0.5%–3.0% interest paid to investor |
➤ 1.0%–1.5% interest contributed to the Rooted in Regeneration Pool |
➤ Accredited Investors Only |
Complete the Investor Inquiry Form above to invest via the online portal or to speak with us about investing through an advisor or custodian.
Invest by Online Portal
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Invest by Subscription Agreement
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Invest Through Tax-Deferred Accounts (IRAs) Both REIT Equity Shares and Rooted in Regeneration Notes can be held in tax-advantaged accounts like IRAs and 401(k)s. |
Invest with an Advisor We work with a wide network of investment advisors nationwide.
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Interested in learning more? Reach out via our Investor Inquiry Form!
Investment Guide | Download (pdf) |
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Private Placement Memorandum | Download (pdf) |
Subscription Agreement | Download (pdf) |
2024 Semi-Annual Report & Unaudited Financials | Download (pdf) |




