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The Virginia Fresh Food Loan Fund Virginia Community Capital (VCC) (VFFLF)

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The Virginia Fresh Food Loan Fund Virginia Community Capital (VCC) (VFFLF) The Virginia Virginia Community Capital (VCC) Fresh Food Loan Fund Community Development Financial Institution (CDFI) Mission: Our mission is to offer innovative, flexible financial products designed to support housing and community development ventures, increase jobs and build sustainable communities. VCC offers loan capital that is broader than bank lending to projects that have a positive community impact in low- to moderate-income communities in underserved geographies and markets. Since 2005 VCC has Created… 4.4 Million Presented By: Over 4,700 Over 2,000 SqFt of New New Housing James Wallace Jobs Created or Rehabbed Units Fresh Food Advisor Housing Virginia Community Capital 1 2 The Virginia Fresh Food Loan Fund Virginia Community Capital (VCC) (VFFLF) Advisory & Creation of Consulting Affordable Strengthens Services Housing the Local Food System Promotes Improves Economic Access to Fresh Food Job Small Development Business Healthy Food Financing Creation Development & Job Creation Goals Providing of the Innovative Access to Capital Healthcare VFFLF 3 4 The Virginia Fresh Food Loan Fund Eligible Businesses for the VFFLF (VFFLF) Loan Fund: $10,000,000 • Food Hubs and Local Food Aggregators – Meat Loan Amounts: $50,000 - $1,500,000 – Fruit and Vegetables – Value-Added Products Loan Types: Equipment Loans, Working Lines-of- • Urban and Rural Supermarkets Credit, Real Estate Acquisition, and Term Loans • Local, Boutique, Whole Food, Grocers • Retail and Wholesale Distributors VCC will not finance an entire deal… • Value-Added Processors and Producers We need to see “Skin in the Game”. • Food Business Incubators 5 6 1 The VFFLF to Date Advisory & Consulting Services Closed Loan Deals: $3.8 Million VCC will work with potential clients of the VFFLF to offer assistance with… Types of Businesses: • Business Planning and Forecasting • Value-Added Product Producer • Industry Analysis • Fruit and Vegetable Aggregator (Food Hub) • Demographic Research • USDA Approved Meat Processing Facility • Market Analysis • Small-Town Local Grocery Store • Mapping • Local/Organic/Sustainable Markets • Food Access Assessment • Fresh Food Retail Assessment 7 8 Required Information from Partners 3-Year Federal Tax Returns What information will VCC need from the borrower? Credit Score Personal Financial Statement Real Estate Analysis 9 10 Required Information from a Business Business Plan Company Prepared Interim Financials Resources Projections (2-3 Years) Bio’s of Key Management Feasibility Study (If a Start-Up) 11 12 2 Available Tools: Resources Available Tools: Grants • Virginia Foundation for Agricultural Innovation and Rural Sustainability (VA FAIR) • Governor’s AFID Fund – Assistance with business planning, feasibility studies, and additional – Planning Grant (Up to 35k) market analyses. – Implementation Grant (Up to 250k) • Virginia Community Capital’s Fresh Food Advisory Services: Provides • USDA Agriculture Marketing Service advisory and consulting services for potential borrowers and partner – Local Food Promotion Program (LFPP) organizations. – Specialty Crop Block Grant (SCBG) – Farmers Market Promotion Program (FMPP) • VT/VSU Cooperative Extension • USDA Rural Development • Healthy Food Access Portal – Business Loan Guarantee – Online Resource Library for Fresh Food Retail and Food Access – Intermediary Relending Program • National Good Food Network – Rural Business Development Grants – Online Food Hub Resource Library 13 14 Thank You! James Wallace Fresh Food Advisor 804.793.0982 [email protected] 15 3 .
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