Programs
We build, test, and scale better ways to finance agriculture
FS6 operates as a mission-driven financial R&D lab for agriculture, working at the intersection of food, farming, and finance. We identify places where conventional financial systems fail to meet the realities of farming, then design and deploy practical financial solutions to close those gaps.
Our work is grounded in action. We do not stop at research, recommendations, or white papers. We put capital to work alongside farmers, lenders, funders, and food companies, testing new approaches in the real world and learning from what happens. Through programs like Guarantees for Regenerative Agriculture, EQIP Bridge Loans, 5th C, and our supply chain finance work, we tackle specific barriers to capital while the REAL Data Initiative captures the evidence needed to understand what works and why.
The goal is bigger than any single program. We use real-world deployment to build the evidence, tools, and financial infrastructure needed to change how agricultural capital moves at scale.
Our Innovative Finance Programs
5th C: Courage in Capital
What if agricultural finance were designed around the success of the producer, not just the success of the loan? 5th C is rethinking farm finance around retained producer income, building models that help more of the value created on the farm stay with the people producing it.
The EQIP Bridge Loan Program
Closing the timing gap between conservation investment and public reimbursement. The program provides zero-interest bridge financing so producers can implement approved EQIP practices without carrying the full upfront cost themselves.
The REAL Initiative
Guarantees for Regenerative Agriculture
A national loan guarantee platform that shares risk with lenders, creating room for more flexible agricultural underwriting. GRA helps prove what becomes possible when lenders have the tools to finance farms differently.
Building the missing data layer for agricultural finance. REAL brings together lending, underwriting, and performance data to better understand how farms are financed today and build the evidence for how they could be financed tomorrow.