ROOTED IN REGENERATION NOTES

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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.

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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

A fixed-income investment designed to support land access for socially disadvantaged farmers

Loan capital to Iroquois Valley
Structured to provide reparative support for socially disadvantaged farmers
Your investment helps fund discounted mortgages for farmers practicing conservation-based agriculture
Interest paid to investors: 0.5%–1.5%
Interest contributed to regeneration pool: 1.0%–1.5%
5-year term length
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.

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RNR NOTES

➤ Inclusive, impact-driven structure
➤ Interest diverted from investor returns creates discounted mortgage rates
➤ 5-year term length
➤ $25,000 minimum investment
➤ 0.5%–1.5% 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

Review Offering (pdf)
Complete the Investor Inquiry Form to receive an invitation to our investor portal
Select “Investment Opportunities” to begin investment
Complete and sign subscription agreement in portal
Send funds via wire, ACH or check

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