Specialty Financing for Regenerative Food
and Agriculture Businesses
We bridge the critical financing gap in the Northeast food system, providing tailored capital solutions
from farm succession to CPG growth across the entire agricultural value chain
About Fullerfield
Fullerfield Capital is an impact fund dedicated to overcoming critical financing challenges within the Northeast food system. We bridge crucial gaps by supporting regional farmers, food processors, and Consumer Packaged Goods (CPG) brands.
Our work aims to scale sustainable food production and forge integrated local supply chains, ultimately building a truly resilient regional food system.
Our Mission
Finance the transformation of the regional food system using innovative debt instruments. We aim for instruments that deliver both environmental sustainability and strong financial returns.
Our Focus
Targeting Northeast agricultural businesses across the entire value chain—from supporting farm succession deals to helping Consumer Packaged Goods (CPG) companies scale sustainable products.
Our Impact
Our actions yield tangible results: preventing farmland consolidation, accelerating regional CPG growth, and fostering resilient local food systems throughout New England and the broader Northeast.
The Problems We Solve
The Northeast food system is confronted by significant challenges, including an aging farmer population struggling with succession planning, limited access to tailored financing for small and mid-sized agricultural enterprises, and underdeveloped infrastructure for local food processing and distribution.
These hurdles collectively weaken the regional supply chain, impede the expansion of sustainable farming practices, and restrict the growth of local food businesses, ultimately undermining food security and economic vitality across the region.

Why Choose Fullerfield

Our Competitive Advantage Traditional Ag Lenders Fullerfield Fixed monthly payments Seasonal & revenue-based structures Collateral-obsessed Cash flow & impact-focused Risk-averse on sustainable practices Deep expertise in regenerative agriculture Transactional relationship Long-term partnership One-size-fits-all products Six tailored instruments Farm production only Entire value chain integration Climate risk = rejection Climate risk assessment = better underwriting Our Competitive Moats Expertise: Team comes with experience in sustainable agriculture finance Track Record: Proven experience with revenue-based structures in agriculture Network: Deep relationships across Northeast food system Integration: The preferred partner for financing farm → processor → brand Impact Data: Proprietary impact measurement drives better decisions

Our Services
Seven Specialized Debt Instruments
Fullerfield provides comprehensive financing solutions across the entire regenerative food value chain.
Bridge Loans
Farm acquisition down payments (3-12 months)
Inventory Financing
Enable farmers and entrepreneurs to manage cash flow (3-9 months)
Equipment Financing
Processing infrastructure (5-10 years)
Revenue-Based Loans
Flexible growth capital tied to performance (3-5 years)
Working Capital Lines
Seasonal operating expenses (revolving)
Loan Guarantees
Graduate borrowers to conventional financing
Convertible Notes
Growth capital for scaling CPG brands with equity upside (3-5 years)
Packaged Solutions
01
Succession Package (Farms)
Bridge loan → Guarantees → Working capital LOC as farmer stabilizes
02
Infrastructure Package (Farms & CPG)
Equipment financing + Revenue-based facility loan + LOC for inventory/operations
03
CPG Growth Package
Inventory financing + Working capital LOCs + Revenue-based financing for scaling + Equipment loans for production expansion
The Portfolio
Our portfolio strategy balances financial returns with deep social and environmental impact within the Northeast food system. The following sections detail our target asset allocation and projected key impact metrics.
Target Portfolio Allocation
Impact Metrics Dashboard
15K
Farmland Preserved
acres
250
Jobs Created
annually
50K
CO₂ Reduced
tons/year
500K
Local Food Access
people served
60%+
Inclusive Investment
of portfolio to BIPOC, women, beginning farmers, veterans
Sources: Projections based on comparable specialty agricultural lenders and Northeast market analysis. Impact metrics derived from IRIS+ standards and regional food system studies (USDA RFBC, 2024).
Insights: The Northeast Food System Crisis
The aging of America's farming population creates an unprecedented challenge for agricultural continuity and food security, particularly in the Northeast.
The Farm Succession Crisis: By the Numbers
Aging Farmers
The average farmer age in the Northeast is 60.5 years. 45% of farmland is owned by farmers over 65, with over 60% expected to retire in the next decade.
The Succession Gap
New farmer entries are down 35% since 1990, and only 25% of farms have formal succession plans. High barrier to entry with average farm purchase cost at $1.125M.
Market Consolidation
Northeast farm numbers declined 8.5% (2017-2022). Corporate and out-of-state entities are increasingly acquiring retiring farmers' land.
Growth Financing Crisis
Sustainable Farms and CPG brands face a critical financing gap that constrains growth and market expansion, particularly in inventory and operational capital.
Cash Flow Cycle Strain
The 60–90 day cash conversion cycle and long retailer payment terms (up to 90 days) lock up essential working capital.
Inventory Financing Gap
Scaling requires $50K–$500K in inventory capital, which is frequently unavailable during crucial production phases.
Traditional Barriers
Conventional lenders require personal guarantees and collateral, and venture capital typically avoids Farm and CPG working capital needs.
The Fullerfield Solution
We offer inventory-backed working capital and revenue-based financing that aligns directly with Farm and CPG sales cycles, without personal guarantees.
Infrastructure Financing Gaps
Farms and food businesses in the Northeast require substantial capital for essential processing facilities, storage, and distribution infrastructure to scale operations and meet growing demand.
Processing Facility Upgrades
Many existing facilities are outdated or insufficient, requiring significant investment for modern equipment and expansion to increase capacity and efficiency.
Cold Storage & Distribution
Maintaining product quality and extending shelf life necessitates robust cold chain logistics, from farm-level storage to regional distribution hubs, which demands costly specialized infrastructure.
Equipment Financing Barriers
Acquiring new, specialized agricultural and processing equipment often faces resistance from traditional lenders due to perceived high risk and lack of industry understanding.
The Fullerfield Approach
We provide tailored financing solutions for infrastructure development, including equipment loans and facility improvement capital, with an understanding of the unique cash flow realities of the food sector.
The Market Opportunity
A significant market opportunity exists within the Northeast food system, driven by increasing consumer demand for local and sustainable products, coupled with the existing financing and infrastructure gaps.
Market Size
$1.4T
U.S. Food & Beverage Market
Overall market size
$80B
Northeast Regional Food Sales
Growing at 5% annually
$25B
Impact on Regional Economy
Economic activity from local food systems
Financing Gap ($M)
The estimated financing gap across farm succession, growth capital for CPG, and critical infrastructure amounts to over $1.5 billion in the Northeast alone, representing a substantial, untapped investment potential for specialized lenders.
Growth Drivers
1
Consumer Demand
Rising consumer preference for locally sourced, organic, and sustainably produced foods.
2
Policy Support
Government initiatives and grants supporting local food systems and resilient supply chains.
3
Technological Advancements
Innovations in agricultural technology improving efficiency and sustainability.
Founder
Charles Wade
Founder & Managing Partner
Charles founded Fullerfield to leverage his extensive finance background to support food entrepreneurs working to improve the health and sustainability of regional food systems in the Northeast.
Charles previously served as Investment Director at Black Farmer Fund and held senior positions at leading financial institutions including J.P. Morgan, Lehman Brothers, and Citigroup, where he originated, structured, and distributed credit solutions for private equity firms, hedge funds, and asset managers. His commitment to economic justice and community development was strengthened through his fellowship with the Just Economy Institute, where he deepened his understanding of how capital can be deployed to create more equitable economic outcomes.
Charles holds an MBA from the MIT Sloan School of Management and a BS in Mechanical Engineering from West Point.
Contact Fullerfield Capital
Ready to Transform the Food System?
Whether you're a farmer seeking succession solutions, a CPG brand needing growth capital, or an investor interested in impact-driven returns, we'd like to hear from you.
For Borrowers
If you're a farmer, a food processor, or a CPG brand looking for financing, let's discuss how our tailored solutions can support your growth.
Apply for Financing
For Investors
Join Fullerfield at the ground floor of transforming Northeast food system financing. Seed investors gain early access to a proven market opportunity with clear competitive advantages.
Contact Us

charles@fullerfield.com
From the farmer storing grain to capture premium prices to the processor milling that grain into regional flour to the regenerative bread company scaling distribution, every dollar deployed creates ripple effects across the value chain.
The Northeast food system is at an inflection point. Fullerfield is the capital partner making this transformation possible.
© 2025 Fullerfield. All Rights Reserved.