PROGRAMS
At FS6, we believe that healthy soil starts with healthy balance sheets.
We are reimagining the capital supply chain, starting with federal farm safety net programs, which currently are a poor fit for most regenerative producers. Our strategy pilots new financial innovations that increase immediate access to capital while building the data sets needed to drive public sector adoption. When it comes to regeneration, our approach acknowledges the importance of helping producers stabilize first, then providing them with the resources and safety nets needed to adopt regenerative practices that improve soil, water, nutrient density, and community resilience.
Check out our programs that are keeping producers in business and changing the system for tomorrow.
GUARANTEES FOR REGENERATIVE AGRICULTURE (GRA)
The Guarantees for Regenerative Agriculture program is the first pooled loan guarantee facility built specifically for regenerative producers. By reducing risk for lenders, GRA opens the door to affordable, values-aligned credit for farmers, ranchers, and food businesses that are too often overlooked by conventional finance.
Many of the innovative lenders serving regenerative producers today — nonprofit loan funds and other mission-driven intermediaries — are unable to access USDA guarantees because they are not structured as regulated banks. GRA changes this and levels the credit enhancement playing field by extending guarantees to those lenders, allowing them to scale their impact and reach more producers who need flexible, right-sized capital.
At the same time, GRA systematically captures insights into how these lenders underwrite regenerative agriculture — from evaluating soil health outcomes to considering the seasonality of diversified operations and nontraditional collateral. These insights become a practical playbook for the broader agricultural finance sector, showing conventional lenders how to serve unconventional producers who don’t fit standard credit models.
Over time, this evidence builds the case for policy reform — including opening USDA guarantees to mission-aligned lenders — so the entire financial system can support a more resilient, regenerative future.
In short: GRA delivers capital today, data to shift markets tomorrow, and a pathway to transform federal policy for the long haul.
EQIP BRIDGE LOANS
The USDA’s Environmental Quality Incentives Program (EQIP) reimburses a portion of the expenses for conservation practices that improve soil, water, and biodiversity. But producers must cover those costs up front — a burden many cannot afford on razor-thin margins. For too many, this delays or even prevents them from taking advantage of public dollars.
FS6’s EQIP Bridge Loan Program removes this barrier with no-fee, no-interest bridge loan that aligns with EQIP contract timelines. Backed by the Soil Health Opportunities & Tools (SHOT) Fund, the program ensures that lack of liquidity is never the reason a producer can’t take advantage of EQIP funding. By closing this gap, we enable farmers and ranchers to implement regenerative practices faster, at greater scale, and with more confidence.
