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Loan Program Details

  • Strengthens the partnerships between Whole Foods Market and local producers
  • Works with producers to expand the availability of high-quality local products for our customers
  • Supports the communities where Whole Foods Market does business
  • Reinforces Whole Foods Market’s commitment to environmental stewardship

The Producers

  • Must meet Whole Foods Market Quality Standards and standards for animal welfare
  • Use funds for expansion and capital expenditures (e.g., buy more animals, invest in new  equipment and infrastructure, or expand crops), not operating expenses
  • Have a viable business plan and adequate cash flow to service debt

The Process

  • Streamlined process with fees, interest rates, and paperwork minimized
  • Targeted loan amounts between $1,000 and $100,000 (maximum $25,000 for start-ups)
  • Loan amount not to exceed 80% of total project cost
  • Low, fixed interest rates (currently between 5% and 9%)
  • Monthly payments required after termination of grace period
  • No penalty for early repayment
  • Collateral required
  • One-time minimal processing fee covers administrative expenses, including credit report
  • Approval and terms dependent on product characteristics, risk assessments, and use of proceeds
  • Opportunity to apply for additional financing if initial loan is in good standing after one year
  • Existing vendor relationship with Whole Foods Market preferred
  • Applications accepted on a rolling basis
  • Due to liquor laws, we are unable to offer loans to producers of alcoholic beverages