Summary
In this Steward review, we delve into Steward, a leading lending platform dedicated to sustainable farms and regenerative agriculture. Discover how Steward provides an accessible and transparent platform for lenders to support small-scale farmers while earning consistent returns. From minimum investments to fees, we cover all the essential details to help you make an informed decision.
Review Highlights
- Steward: Revolutionizing Farmland Lending
- Supporting Sustainable Farms and Regenerative Agriculture
- A Purpose-Driven Platform with B Corp Certification
- The Experience and Expertise of the Management Team
What is Steward?
Steward is a lending platform that connects lenders with small-scale sustainable farmers, ranches, and local food producers. It offers an alternative financing solution for farmers who often face challenges accessing capital through traditional means.
How Does Steward Work?
Farmers submit their projects to Steward, which conducts thorough due diligence. Once approved, the projects are listed on the platform for lenders to browse and invest in. Deals on Steward are structured as loans, providing lenders with a clear understanding of their expected returns and repayment schedules.
Minimum Investment
Steward stands out for its low minimum investment requirement of just $100. This accessibility enables individuals of various financial capacities to participate in supporting sustainable agriculture.
Holding Period
The holding period for investments on Steward can vary depending on the specific project. Most loans have a time horizon ranging from 3 to 6 years, providing lenders with a medium-term investment opportunity.
Is it Safe?
Steward prioritizes the security of lenders’ investments. The platform performs extensive due diligence on all projects and ensures that every loan on the platform is secured and interest-bearing. However, it’s essential for lenders to conduct their own research and exercise due diligence before making any investment decisions.
Farm Returns
Steward offers lenders the opportunity to earn attractive returns through its loans to sustainable farms and agricultural projects. Interest rates on the platform typically range from 5% to 10%, providing lenders with a competitive rate of return.
Fees
Steward operates with a fee structure that benefits lenders. While there are no fees charged directly to lenders, a 3% loan origination fee is paid by the farmers. This fee covers the operating costs of the platform, allowing lenders to maximize their returns.
Pros:
- Accessibility with a low minimum investment requirement
- Debt-based structure providing consistent returns and clearer repayment schedules
- Support for sustainable farms and regenerative agriculture practices
- B Corp certification highlighting Steward’s commitment to social and environmental impact
Cons:
- Debt-based deals may result in smaller returns compared to equity-based investments
- Limited short-term investment options
Review Verdict
Steward offers a unique platform for lenders looking to support sustainable agriculture while earning competitive returns. With its accessible minimum investment, transparent loan structure, and focus on smaller-scale farms, Steward stands out as a leader in farmland lending. While debt-based deals may result in smaller returns, the platform’s commitment to regenerative practices and its B Corp certification make it an attractive choice for socially-conscious investors. Conduct your own research and due diligence to determine if Steward aligns with your investment goals and values.
In conclusion, Steward provides an excellent opportunity for lenders to make a positive impact on sustainable farming practices while earning consistent returns. Explore the platform and discover how you can support small-scale farmers and contribute to a more sustainable future.