What are the do's and dont's for how to talk about my Steward loan?

Steward Team Updated by Steward Team

We appreciate that Steward's framework may be unfamiliar to many, so to ensure we continue to align with the regulations around this type of commercial lending, we’ve prepared a simple list of DO’s & DON'Ts.

DON'T SAY

DO SAY

Don’t lead with the loan’s interest rate or promise a guaranteed return.

Lead with purpose; set the stage with why sustainable/regenerative agriculture matters to you and the community.

Don’t convey they are loaning you/your business money directly (your loan is via Steward and they are lending money to Steward in order to participate).

Share why your business needs capital to grow and how you will use your loan.

Don’t use the words invest, investor, or investment.

Say this is an opportunity to participate in a loan.

Don’t refer to this “lending opportunity” as crowdfunding, crowdlending, crowd-sourcing, crowdfarming, or peer-to-peer (P2P) lending.

Refer to Steward as a private lender issuing loans to sustainable agriculture businesses (like yours).

Don’t use the terms annualized return or ROI (return on investment).

Note this is a “secured, interest-bearing loan” (all Steward loans are secured).

Don’t go into detail on specific loan terms in your communications--direct people to your project page on Steward’s website where all pertinent details are shared.

Invite prospective lenders to visit your Steward project page for details on loan terms, duration, and anticipated return.

Don’t call this a donation.

Mention product incentives for participating lenders, if relevant.

If you need further explanation of what these specific terms mean or how they relate to your loan from Steward, please review our Steward Borrower FAQ or reach out to us.

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