Lender FAQ

​How much can I lend to a project?

Appropriate lenders can participate in Steward lending campaigns for as little as $100. We have purposely built a platform that makes supporting the growth of regenerative agriculture businesses acce…

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How is tax handled for my loan participation?

Individual Lending Campaigns. Your loan participation is taxed as interest and reported on Form 1099-INT at year-end. Steward will provide a Form 1099-INT by January 31st of each year to all lenders…

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Payment Profile Creation - Errors and Solutions

While the majority of users will be able to create their Steward accounts without a hitch, under some circumstances our payment facilitator may add additional steps to the account creation process. I…

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Why did my transaction fail?

Sometimes transactions to or from a bank or credit union can fail. Here are a few reasons why this might happen: Insufficient funds. There are insufficient funds in the sending bank or credit union a…

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How does Lender Checkout work?

Many of Steward’s qualified lenders have questions about what the lending process looks like on the Steward platform. Below is a short video that will walk you through lending to a Steward project so…

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What is Dwolla?

Dwolla is a powerful payments platform that securely connects to bank or credit union accounts to enable the transfer of money for any individual or organization in the U.S. Dwolla's Terms of Service…

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What lender opportunities are available with Steward?

Individual Lending Campaigns. Back a specific agricultural business by helping fund their Steward lending campaign. Qualified lenders participate by buying pieces of secured, interest-bearing loans o…

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What is Steward's loan servicing spread?

Q: What Is Steward’s Loan Servicing Spread?. A: Steward’s loan servicing spread is a key piece of our revenue model and helps ensure we have the resources we need to facilitate the collection of loan…

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What transaction methods are available when participating in a loan?

There are three transaction methods available when lending on the Steward platform: ACH (Direct Debit). ACH, or Automatic Clearing House, payment is an electronic payment method that is initiated dir…

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Can anyone from the general public purchase loan participations from Steward?

No, not just anyone! Our lending opportunities are only right for certain people. These purchasers may be institutional buyers (such as a bank) or private buyers (such as a private equity fund). Indi…

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Is lending with Steward an investment or a donation?

Niether. Investing may refer to purchasing stocks or bonds, which are "securities" and general investment vehicles in a particular company that is regulated by the Securities and Exchange Commission…

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What are the fees for lenders?

At Steward, we do not charge any fees to our participating lenders. No management fee. No transaction fee. Nothing. We understand that lenders provide an invaluable resource (e.g., their capital) to…

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Why is personal information required in order to handle payment on Steward?

Ensuring the security of our lenders on our platform is a major priority here at Steward. In order to maintain these strict safety standards, our payment facilitator must verify the identity of every…

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Why is my transaction still pending?

A bank or credit union transaction usually takes 3–5 business days to complete via the Automated Clearing House network (ACH) used by banks to transfer funds. Please note that transfers take longer t…

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Adding A Second Funding Source

Once you have completed the setup of your payment profile and it has been verified, you are then able to link your funding source. There is now an option to link two funding sources to your Steward a…

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