Lending Details

We believe a sustainable economy – in which everyone can thrive – is possible by centring the voices, ideas and needs of equity-deserving individuals and groups, including Indigenous, Black, racialized peoples, newcomers, women, persons with disabilities, LGBT2Q+ folks and those living at the intersections of these identities.

Our goal is to better understand the unique experiences of those with whom we work and the systemic barriers they may face to accessing capital and business support.

We seek to work together to use social financing as a tool to create meaningful opportunities in the community and increase agency for all – socially, politically, and economically.

We offer loans ranging from $2,500 to $50,000 with a 0-8% interest rate, based on you and/or your organization’s situation and needs.

There are two steps to apply for lending:

Step 1 – Determine if you/your company qualify, here are the criteria:

1. Your company addresses at least one of Harvest Impact’s key areas of focus:
   • • • Saving and regenerating natural resources, including any form of regenerative agriculture
       • Use of waste as an ingredient/input (e.g. food waste) that turns waste into value
       • Proactively reducing the amount of waste going into landfill (e.g. food packaging and other non food waste)
       • Emissions reducing activities
       • Affordability of products/services
       • Products/services that are locally sourced, and positively influence consumer behaviour related to food and/or the environment
       • The use of data and/or technology in your business
       • Creating good jobs in the agriculture, food and or environment sectors, and/or employees paid a living wage
       • Products or services that support good nutrition
         2. You/your company is operating and located in Southern Ontario (this includes Windsor to Ottawa)

         3. You have the financial ability to service (ie. make monthly payments towards) new debt
         4. You and/or your company have the capacity and time to work with the Harvest Impact team to track KPI’s (key performance indicators) associated with the work for which you are seeking funding (approximately 10-20 hours of time, this includes mentorship, impact measurement and data analysis work with the Harvest Impact team)

If you answered ‘yes’ to these questions, please proceed to Step 2.

Step 2 – Apply via our application portal – by completing this application, you will help us determine your degree of readiness for business financing. We aim to process applications within 30 business days, there is no deadline for applications. This application will take between 40-50 minutes to complete in full.

If you feel that you and/or your community is not represented under our current model, we encourage you to contact us to discuss how we can improve our work.

If you require translation, technology or would like help completing the application, please call us at 519-780-5030, we’d be happy to chat with you: 

Jess Barrie, Community Investment and Engagement Lead – jess@10carden.ca

Heather Watt-Kapitain, Enterprise Support Lead – heather@10carden.ca

Your information and privacy is important to us. We will not sell, rent, or give your personal information to anyone without your consent.

Thank you for joining us to advance equality for all!