The Northwest MI Food and Farm 20/20 Fund offers farm businesses a continuum of financing tools and products offered by regional lenders through a one-stop application process. Financing options and resource support are tailored to the business stage and scale.
Financing Options include
Agriculture Individual Development Accounts
A matched savings incentive program for eligible farmers used toward building farm assets. Download/View Application (MS Word Doc)
GT Area Chamber Loan Fund
The GT Area Chamber loan fund is available to meet gap financing, with flexible/tailored debt financing features, and a turn around time to meet the financing needs of new and beginning farmers.
Northern Initiatives is a community development corporation whose goal is financing businesses that generate community based economic development.
Honor Bank is a community bank that wants to make sure that farm businesses are included in their business-lending portfolio.
American Farmland Trust
A loan fund generated by proceeds from the sale of a large Michigan farm, debt capital must be used by eligible farmer to lease or purchase farmland that may otherwise be in jeopardy of development.
Matched savings program: Agriculture Individual Development Accounts
Contact and Information
The Capital Review Committee meets the first Monday of each month to review all loan applications and other requests. For more information, contact For more information contact: Susan Cocciarelli, firstname.lastname@example.org or 231-929-5096.