Root Capital

In: Business and Management

Submitted By mschil2
Words 619
Pages 3
Root Capital

Root Capital’s focus and creativity has produced a way to grow rural prosperity and land preservation by investing in agricultural businesses that build sustainable communities. Root Capital’s specific focus is demonstrated in their target market, methods, and talent that they have acquired to carry out their mission. Root Capital’s target market can be labeled as a niche within a niche or what they descried as the “missing middle.” These farmers are too large for micro finance loans and do not qualify for regular bank loans because their lack of assets and their rural location labels them as being too risky. Out of necessity these farmers are usually forced to sell their harvest to local middlemen at a large loss, which in turn keeps the farmer and the community in a constant cycle of poverty. The problem lies not in the product being produced, but the great disconnect between the farmers and the market of potential consumers.
Root Capital has recognized the market failure along with the overall potential community impact that could be created by giving these farmers another alternative. Root Capital’s greatest advantage is its ability to eliminate all potential risk for the consumers and the farmers to which they lend. Through innovative lending methods, Root Capital offers the farmers collateral on their future crop yield, supplying the farmer with the necessary monetary funds they need to produce the crop. The types of loans are all very similar. The loans are focused on agricultural products and are working-capital loans, with terms usually six to nine months and oriented around the farmers’ harvest. The loan repayment schedule has allowed Root Capital to create the maximum social impact. The relatively short, multiple repayments allow them to capitalize on the structure and number of loans while increasing their own financial sustainability.…...

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