At a glance
From its website, read 2 Nov 2026Foodshed Capital is a loan fund based in Charlottesville, Virginia. Its website describes farm loans and small-business loans. Stated loan amounts run from $5,000 to $150,000. Where it lends: Borrowers in 19 states, Washington DC and Puerto Rico (as of October 2025). It says it considers borrowers with low or no credit history. You can start an application online.
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| Apply online | Page with the application link |
|---|---|
| Website | foodcap.org |
| Office (official list) | 101 Devon Road, Charlottesville, VA 22903 |
What their website says about applying
Standard loan applicants should be able to provide the last two years tax returns, or documentation of any extensions if most recent return is not yet completed.
sourceOnce Intake is completed, Foodshed staff will work with you to develop all the materials you need to apply for a loan.
source
Phone numbers and addresses are the ones on the lender's own site and the CDFI Fund list. CDFI Atlas does not take applications.
Rates and terms they state
Read 2 Nov 2026| Loan | Stated | Text on the lender's site (verbatim) | Page |
|---|---|---|---|
| Loans (general) | Rate stated, not as an APR: see their wording | Rates range between 0% and 6.75%. A half-point rate reduction is available for borrowers enrolled in auto-pay. | source |
| Loans (general) | Term: see their wording | Terms range from 3-7 years with an optional 3-month grace period, and monthly repayments. | source |
As published on the lender's website on that date, not an offer or a quote. Your rate depends on the lender's review. A missing rate means the pages we read did not state one. For consumer loans we repeat a rate only when the lender states it as an APR (annual percentage rate, which includes fees); otherwise read the lender's own wording and ask for the APR.
Who qualifies, in their words
- Low or damaged credit considered
Instead of turning away applicants with low credit or charging high interest to offset risk, we work closely to
source - Collateral flexible or not always required
When collateral is required, it’s limited to business assets purchased with our loan.
source
Only rules the lender's own pages state. Other requirements may apply.
Official record
CDFI Fund list, 21 Oct 2026| Institution type | Loan fund |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 12 Jul 2025 |
| RSSD ID | — (none listed) |
| Address | 101 Devon Road, Charlottesville, VA 22903 Directions (Google Maps) |
| Website | foodcap.org |
Head officeBranch or officeApproximate (ZIP code area)
Map data © OpenStreetMap contributors, © OpenMapTiles, tiles OpenFreeMap. Head-office points: U.S. Census Bureau geocoder.
Loans and eligibility
Verified from lender site on 2 Nov 2026Read from 6 pages of the lender's website on 2 Nov 2026. Quotes are verbatim. Extracted with AI help from the pages listed below and checked automatically against them. Not reviewed by a person. Confidence: high. Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| Agriculture / farm loans | — | flexible, affordable loans to farms and food businesses committed to regenerative practices and healthy communities. | source |
| Small-business loans | $5,000 – $150,000 | Our current lending minimum is $5,000 and maximum is $150,000. | source |
Loan sizes
Our current lending minimum is $5,000 and maximum is $150,000.
sourceLoans up to $150,000, scaled to fit your business.
sourceUp to $150,000, or up to $15,000 for businesses without historical financial records.
source
Range used for the size filter: $5,000 to $150,000
Service area
Borrowers in 19 states, Washington DC and Puerto Rico (as of October 2025)
Foodshed Capital is based in Virginia but has served borrowers in 19 states, Washington DC, and Puerto Rico as of October 2025.
source
Borrower focus
- Farmers / ranchers
We work only with farmers who are committed to regenerative practices, because when you care for the soil, you care for everyone.
source - Low- and moderate-income / underserved
We prioritize low-income borrowers who struggle to access capital elsewhere.
source - Nonprofits
Up-front capital for farmers or non-profit organizations who have received reimbursable grant funding.
source
Languages
- No non-English service found on the pages we read.
Online application
Yes — the site links to an application. APPLY FOR A LOAN
source
Questions to ask when you contact them
Based on what their website said when we read it on 2 Nov 2026, and what it left out. Something missing here does not mean they don't offer it: ask.
- Do you offer free coaching or help preparing my application?
CDFI certification requires development services, such as training or advice, alongside lending. - What documents will you need from me, and how long does a decision usually take?
Their website describes some application steps (above); ask for the full document list.
Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.
CDFI Fund awards
CDFI Fund database, 3 Nov 2026$1.1 million in 4 awards from the U.S. Treasury's CDFI Fund, 2020–2024 (CDFI Program, Financial Assistance; CDFI Program, Technical Assistance; CDFI Rapid Response Program).
| Round year | Program | Amount |
|---|---|---|
| 2024 | CDFI Program, Financial Assistance | $650,000 |
| 2022 | CDFI Program, Technical Assistance | $125,000 |
| 2021 | CDFI Rapid Response Program | $200,000 |
| 2020 | CDFI Program, Technical Assistance | $125,000 |
These are awards and investments made to the institution itself to build its capital and capacity. They are not loans to borrowers, and an award does not mean the lender has money available for a particular loan today.
Source: CDFI Fund Searchable Awards Database, all 12,628 award records (1996–2025), read 3 Nov 2026. Years are the award round as the database lists it. Matched to the official CDFI list by exact name and state; see the method on the About page.
Size of the fund (IRS Form 990)
Fiscal year ending Dec 2023| Total assets | $4.3M |
|---|---|
| Total liabilities | $2.4M |
| Net assets | $1.9M |
| Total revenue | $1.6M |
| Notes and loans receivable, net (Part X line 7) | $1.2M |
End-of-year figures from the Form 990 this organisation filed with the IRS for the fiscal year ending December 2023 (tax year 2023; EIN 83-3580290, filed as “FOODSHED CAPITAL”), taken from the IRS Annual Extract of Tax-Exempt Organization Financial Data (returns processed in 2024). Figures are self-reported to the IRS, not audited by us, and lag one to two years behind today. The lender’s own annual report may show newer numbers. This organisation’s filings on ProPublica Nonprofit Explorer
Filings over time
| Fiscal year ending | Total assets | Net assets | Revenue | Notes and loans receivable |
|---|---|---|---|---|
| Dec 2021 (990) | $1.2M | $606,451 | $505,950 | $572,371 |
| Dec 2022 (990) | $2.9M | $1.2M | $1.3M | $969,545 |
| Dec 2023 (990) | $4.3M | $1.9M | $1.6M | $1.2M |
Total assets grew 257% from Dec 2021 to Dec 2023; notes and loans receivable rose 111%. One row per fiscal year in the IRS extracts of returns processed in 2022, 2023, 2024; “—” = the line was empty or zero on that return (a fund can book its loans on other lines).
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| Largest loan its website states | $150,000 | Other loan funds whose website states a maximum: median $275,000. Higher than the stated maximum of 28% of these 184. |
| Total assets, latest IRS Form 990 | $4.3M | Larger than 31% of the 13 other certified loan funds and venture funds in Virginia with a matched Form 990 (median $11.1M). |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| Largest stated loan | other loan funds stating a maximum, nationwide | 184 | higher than 28% |
| Form 990 total assets | certified loan and venture funds with a Form 990, in Virginia | 13 | larger than 31% |
“Larger than X%” = the share of the peer group with a smaller value. Ranks count from the largest. Peer groups use the lender's home state when it has at least 5 peers, otherwise the whole country. Full definitions: methodology.
For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered. Peer groups and sources: methodology. Form 990 figures: IRS annual extracts (see the Form 990 section).
Other certified CDFIs in Charlottesville and Virginia
- Community Investment CollaborativeLoan fund · Charlottesville, VAMicroloans, Small-business loansVerified
- Piedmont Housing AllianceLoan fund · Charlottesville, VAHome mortgagesVerified
- Virginia Affordable Housing Loan FundLoan fund · Charlottesville, VAHome repair / improvement loans, Affordable housing development loansVerified
- Appalachian Community Capital CorporationLoan fund · Christiansburg, VAVerified
- Bridging Virginia IncLoan fund · Richmond, VASmall-business loansVerified
- Business Seed Capital, Inc.Loan fund · Roanoke, VASmall-dollar / emergency loansVerified
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