Applying for a Loan
SOIL Sangre de Cristo is a member-driven investment organization dedicated to supporting local food producers in Colorado's South Central Region.
SOIL Sangre de Cristo offers 0% interest loans to support individuals starting or expanding food-related for-profit businesses. These loans aim to enhance the economic, health, social, and environmental well-being of food systems in the Arkansas Valley, San Luis Valley, and nearby communities.
Shareholder investments in the SOIL Sangre de Cristo Revolving Loan Fund provide the essential capital used to support qualifying farms and food-related businesses in South Central Colorado.
Investing in food production has a wide-reaching impact: it creates jobs on farms and throughout the food system, enhances food security, keeps money circulating within local communities, and serves as an economic catalyst to revitalize rural areas.
Presenting the Loan Award
From Left: Ann Graham, Tylor Berreth, Liz Peuser Mary Ann Bavaria, PJ Bergin
What You Can Expect
Who Can Qualify?
“Food Producers” include farmers, ranchers, and individuals who use local ingredients to create new food products, such as preserves, pickled vegetables, and other edible goods.
What to Expect from the Loan Review Process
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Complete the Questionnaire
Begin by filling out the questionnaire to provide us with basic information about your needs. -
Initial Contact
Our team will reach out to learn more about your financial goals and answer any questions you may have. -
Loan Application Support
Based on your situation, we’ll guide you through completing the full loan application and work with you to create a repayment schedule tailored to your financial needs and cash flow. -
Customized Repayment Plans
Loan repayment schedules are designed to fit each applicant’s unique circumstances. Many loans have quarterly payments and are repaid over 3–5 years, depending on the loan amount. -
Flexible Loan Amounts
There is no cap on loan requests. Our mission is to support as many food producers as possible. -
Application Review & Voting
Once your application is finalized, it will be presented to the voting members of SOIL Sangre de Cristo. You’ll have the opportunity to meet our members and present your loan request before a vote is conducted. -
Approval & Fund Disbursement
Upon approval and the return of a signed promissory note, funds will be disbursed within 10 business days.
The SOIL Sangre de Cristo review committee carefully discusses all the information that’s required to be provided by applicants prior to voting to disburse funds to qualifying clients.
Ongoing Support
As a loan recipient, SOIL Sangre de Cristo will remain engaged with you throughout the loan term and beyond. You’ll be invited to future meetings and events where we’ll celebrate your achievements together!