Steward Review 2024: Best Farmland Lending Platform?

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Steward is an innovative lending platform that focuses on financing the growth of small to mid-size regenerative farms and sustainable producers through straightforward and flexible business loans.

If you're considering getting involved in sustainable agriculture investments, here's a closer look at what Steward has to offer and some factors to weigh when deciding whether it's the right choice for you.

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PlatformMinimumLinkAccredited OnlyInvestments
EquityMultiple Logo$5,000+View InvestmentsYesCommercial Real Estate Properties
AcreTrader farmland investing platform$8,000+View InvestmentsYesUS Farmland, Timberland, Vineyards
farmtogether new logo table$15,000+View InvestmentsYesUS Farmland

Farmland Investing 101

Farmland has provided investors with consistent returns for decades, but gaining exposure to this alternative asset has been a challenge in the past.

Today, you can invest passively in farmland through crowdfunded real estate platforms like AcreTrader.

AcreTrader Investment

Instead of buying a farm yourself, investors pool their money together. And instead of managing the farmland yourself, AcreTrader takes care of that. They handle everything from the paperwork to finding a suitable farmland renter.

Click Here To View Current Farmland Investments On AcreTrader!

To date, the team over at AcreTrader has funded 149 properties, totaling over $365 Million in equity raised. This has been invested into over 50,000 acres of farmland.

Looking to learn more? Here's our full review of AcreTrader.

This is a sponsored promotion for the AcreTrader platform. Farmland Riches, LLC and it's members may have investments in companies represented on the AcreTrader platform. This informational post is by no means a promotion, solicitation, or recommendation of any specific investment.

What is Steward?

Steward Farming Logo

Founded by Dan Miller, the former President and Co-Founder of the real estate crowdfunding platform Fundrise, Steward was born out of a mission to address the challenges independent farmers face in securing loans.

Established in 2017, Steward empowers farmers and allows consumers to participate in their success by facilitating investments in farm projects ranging from $10,000 to almost $1 Million.

Investors can contribute as little as $100 to these projects and earn interest rates of up to 10% or choose to participate in loan pools with a 6% interest rate.

The platform provides a unique opportunity to support sustainable agriculture and regenerative farming.

Steward Pros

  1. Easy Support for Sustainable Farms: Steward makes it effortless to support small sustainable farms with minimal capital, starting at $100, allowing you to make a positive impact on the environment and local food production.
  2. Attractive Interest Rates: The platform offers compelling interest rates ranging from 5% to 10%, providing a steady source of income. Unlike equity investments, Steward's deals are structured as debt, which typically carries less risk than equity investments.
  3. Regenerative Capital Pool: Steward's Regenerative Capital pool offers short-term bridge loans to a diverse range of farmers, reducing investment risk. With a competitive interest rate and a nine-month timeframe, it can serve as a viable option for long-term savings, comparable to a Certificate of Deposit (CD) alternative.
  4. Supporting Small, Sustainable Agriculture: Steward stands out as one of the few platforms that enable individuals to invest in small, sustainable agriculture, bridging the gap left by most crowdfunding platforms and traditional banks that primarily target larger farms and producers.

Steward Cons

  1. Limited Upside Potential: Steward structures most deals as debt, which provides regular repayments with interest but lacks the potential for significant capital gains. If a farm experiences substantial growth, investors will only receive their principal back with interest over time.
  2. Tax Implications: Interest payments on loans through Steward are taxed as ordinary income, potentially impacting after-tax returns, especially for investors in higher tax brackets. Consider setting aside funds to cover tax obligations when investing in these debt agreements.
  3. Limited Track Record: Steward, while founded in 2017, is relatively new and has a limited track record due to repayment periods that can extend up to six years. Nevertheless, the experience of its founder, Dan Miller, from his time at Fundrise adds credibility to the platform compared to other new crowdfunding platforms.


Steward offers an accessible way to support sustainable agriculture with a minimum investment of $100.

Its competitive interest rates and various repayment periods make it a suitable option for both long-term savings and fixed-income investments.

If you're passionate about sustainable farming and wish to earn a return while contributing to a greener future, Steward is worth considering. However, be mindful of the tax implications and the limited upside potential associated with debt-based investments.

Don't Miss This Opportunity!

Invest In U.S. Farmland And Timberland Passively With AcreTrader!


Each parcel is divided into shares, and investors can purchase shares to earn cash distributions as well as benefit from the land value appreciation.

Farmland Riches is affiliated with AcreTrader, and we may earn a commission when you sign up for AcreTrader.

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