The New Hampshire Community Loan Fund's Farm Food Initiative applies our strengths--flexible financing and customized training--to local food systems, from farm to processor, to grocer. Impacts include increased sales, net profits, and new full-time jobs.

1. Craving
Local Food?From field to market, the Farm Food Initiative delivers

2. Viable food systems strengthen families and communities, by
providing food that is locally grown or processed, affordable for
consumers, and profitable for producers.
In recent years, New Hampshire has seen an increased demand for
locally sourced food and a desire to know where the food comes
from and how it is produced. Yet, there remains a wide gap between
consumers’ desire for fresh, locally sourced, food and the ability of the
state’s farmers, food producers and grocers to provide it.
These businesses face significant obstacles, including the
need for information about markets, distribution, financial
management, land access, and financing options, tailored to their
specific needs.
We view these challenges as an opportunity.
Cultivate Viable
Local Food Systems
The average New Hampshire
farm loses $2,300 a year.
USDA, 2012 Census of Agriculture.
The average New Hampshire
farm suffered a 9% decline in
sales between 2007 and 2012.
USDA, 2012 Census of Agriculture.
THE CHALLENGE
-$2.3K-9%

3. Since 1984, the New Hampshire Community Loan Fund
has brought opportunity—in the form of flexible financing
and customized training—to underserved sectors.
The Farm Food Initiative applies our strengths to the
food sector, by providing flexible capital throughout the
food system, from farm to processor to grocer, including
from private co-investors.
Equally essential for these businesses are the
comprehensive assessment and customized advice
we bring, including a diverse network of professionals
across sectors and outside traditional silos.
19 BUSINESSES 28 LOANS
LOANED
=+
THE SOLUTION
Introducing the Farm
Food Initiative
Farm Food Initiative,
June 2012 to June 2016
THE VISION
An abundance of diverse and
thriving food businesses.
Farmers have access to
productive land and markets.
Food producers use locally
sourced fruits, vegetables,
grains, and meats.
Consumers, restaurants, and
markets easily find healthy,
locally produced, foods.
Agricultural lands continue
to reflect the state’s rural
character and cultural
heritage.
$9.4M

4. ADDED
FULL-TIME
JOBS
(100 full- and
part-time jobs created)
INCREASED
SALES
($10 million)
INCREASED
NET PROFITS
($1.9 million in latest fiscal year)
Building and sustaining local food systems requires profitable farms and fisheries, food
producers, and processors. Profit sustains businesses, and enables them to reinvest to
become more resilient, create better jobs, and recycle money through our local economies.
The Farm Food Initiative’s flexible capital and customized business education have been a
winning combination for its portfolio companies, which range from rural vegetable farms to
an urban ethnic market. Of the 19 businesses in the Farm Food Initiative:
Increased Sales, Profits, Jobs
THE RESULT
85%100% 86%

5. Farm
Value-Added
Producer
Food
Processor
Retailer
Land costs and high debt ratios are barriers to
farmers who want to grow their operations. We
deliver flexible financing and customized business
education to get them over these hurdles.
Food producers looking to make value-added
products often need equipment, etc., but lack
collateral. We take into account the overall strength
and coachability of the owner/management team
when analyzing whether to make loans.
Beverage and food processors need working
capital to flatten cyclical sales and grasp growth
opportunities. Our industry knowledge and close
working relationships foster creative business and
financing solutions.
When retailers need more space to meet consumer
demand, we collaborate with other lending partners
to create solutions that enable them to expand into
their potential.
2
4
1
3
Serving Food Businesses
from Field to Market
THE SCOPE

6. ABIGAIL’S BAKERY
Increased profits from new
distribution, online sales.
TEMPLE WILTON COMMUNITY FARM
Joined with 22 CSA members to
secure land for farm.
MOONLIGHT MEADERY
Built regional sales channel to
strengthen bottom line.
BROOKFORD FARM
Restored fertility to sod field to
restart displaced family farm.
SAIGON ASIAN MARKET
Ethnic food market reopens in
new, larger space.
BEN’S SUGAR SHACK
Localized maple sap food chain,
improving profits.
POLLY’S PANCAKE PARLOR
Fourth-generation restauranteurs
create four-season jobs.
THROWBACK BREWERY
Women-owned brewery expanded
and opened farm restaurant.
PROSPECT FARM
Aligned products with market
demand to increase viability.

7. The Farm Food Fund attracts gifts and investments that enable the Community
Loan Fund to deliver the loans and customized education that farms, fisheries and
food producers need to grow.
HOW YOU CAN HELP
The Farm Food Fund
INVEST IN THE SHARED-
RISK FARM FOOD FUND
Your investment in the Farm
Food Fund earns a fixed-rate
return of up to 2% over five to
10 years, and is backed by
the Community Loan Fund
and its 33-year spotless
repayment record.
DONATE TO BUSINESS EDUCATION
Gifts to the Farm Food Fund assist businesses
in all stages. Your charitable donation can help
a company create an advisory board, analyze
its growth readiness, or receive customized
financial modeling. Donations also help build a
network of experts and offer cost-sharing grants
to hire them.
REFER BUSINESSES TO US
Do you know a farm, fishery or food-producing
business that needs financing to continue
growing? Do you know someone who wants to
put some money toward building their local food
system? Let them know about us or send them
to our Web site: www.communityloanfund.org/ffi.
INVEST DIRECTLY IN
A LOCAL FARM OR
FOOD BUSINESS
Get the experience and benefit
of direct lending by co-invest-
ing with the Community Loan
Fund in a specific farm or food
business. The risk and return
are variable and directly tied to
that company’s performance.
DONATE TO
PERMANENT FUND
This option deepens the pool
of Farm Food Fund capital
that will be loaned to food
companies many times over.
Your tax-deductible charitable
gift also attracts other
investments, which allow us to
provide flexible loans to meet
our borrowers’ needs.
1.
4. 5.
2. 3.

8. Community Loan Fund | 7 Wall Street, Concord, NH 03301 | (603) 224-6669 | communityloanfund.org
The New Hampshire Community Loan Fund believes in neighbors helping
neighbors, in collaborative problem-solving, and in extending the reach of
conventional lenders and public institutions.
Our lending supports economic opportunity, affordable housing, and community
facilities, and enables traditionally underserved people to participate more fully in
New Hampshire’s economy.
Most of the dollars we lend have been invested in the Community Loan Fund by
people and institutions that want to put their money to work in New Hampshire. We
pay fixed-rate interest on these investments, based on their term (number of years)
and the investor’s preference.
Donations help us in two ways. Donors can put their money either toward the
education and the technical expertise that stoke our borrowers’ success, or to
deepen our pool of lending capital.
Opportunity. For all.