Lowland Fire Foods | Loan Client

Investing for impact

Whether you’re just getting started in your social impact investment strategy, or are a seasoned investor looking to expand your portfolio —
this is the place for you.

Fair Finance Fund’s Community Bonds are your opportunity to make a tangible difference in our shared local food system, and in the lives and communities of innovative food and farm social enterprises. As an investor with the Fund, your dollars are directly invested into local food and farm enterprises that in turn are creating resilient communities, equitable food access, and a thriving local food system.

$5.2M

raised for local enterprises through community bonds
& Impact Investments

100+

Impact Investors in
Our community

$6.2M

Distributed to ontario food & farm enterprises

Your Opportunity To Invest in Local

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Grow Sustainable Food Systems

By investing in local farms, food processors, and food entrepreneurs, you're helping to preserve vital farmland, protect natural resources, and support the next generation of sustainable farmers and food makers. Your capital helps ensure that healthy, culturally relevant food is grown and produced right here at home — today and for generations to come.

Person harvesting ripe yellow and orange tomatoes in a garden, holding some in one hand and with a basket of more tomatoes nearby.

Build Climate Resilience

Every investment in a local food business is also an investment in our planet. Fair Finance Fund loan clients are actively improving soil health, boosting biodiversity, lowering emissions, and innovating climate-smart techniques and practices. Your investment strengthens Ontario’s ability to adapt to climate change while fostering a healthier food and farming ecosystem.

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Support Local Economies

For every $1 invested, you create $15 in local economic impact. Investments in the food and farm sector create a ripple effect within community economies. Fair Finance Fund financing supports businesses that create meaningful jobs, build local and regional supply chains, and expand access to healthy, local food. Together, we keep wealth circulating in local communities.

How It Works

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Purchase a Community Bond Today

01 Decide How Much You Would Like To Invest

We offer 5-year community bonds starting at $5,000 to $50,000. There is currently no limit on investments up until the $2M total campaign goal.

02 Complete the Investment Request Form

03 Book an Investment Meeting with our Executive Director

You can email or book a short 30-minute call with our Executive Director to discuss next steps and completing your bond purchase.

Type 1

$50,000

minimum investment

5-year / 0-3%
Annual interest
Principal paid on maturity date
2% one time fee

Get Started >

Type 2

$5,000

minimum investment

5-year / 0-2%
Annual interest
Principal paid on maturity date
No fee

Get Started >

Frequently Asked Questions

  • A community bond is a financing tool that allows individuals and organizations to invest in projects that have a positive social impact within their community, while also earning a financial return.

  • We provide flexible, affordable loans to food and farm enterprises that are located or primarily operating in Ontario and committed to strengthening their communities. Our clients aren’t just growing businesses — they’re building sustainable food systems, creating regional supply chains, and driving positive social and environmental impact. Every loan we provide supports local production, local markets, and a more resilient, equitable future for Ontario’s food economy.

  • All investors will receive their interest payments on January 31st or the next business day after each year. The interest payment will be automatically deposited into your chosen bank account through a secure electronic fund transfer system.

    This system is also used by the Fair Finance Fund to receive the principal amount at the issuance date and deposit the principal and any remaining interest at maturity.

  • The Fair Finance Fund has received first-loss capital of $245,377. Catalytic first-loss capital refers to socially and environmentally driven money, in this case, grant capital, which bears first investment losses to catalyze co-investors' participation. If any loan defaults occur, that loss will be absorbed from this first-loss capital before any investors suffer losses. It is a powerful risk aversion mechanism.

  • Each year, all investors receive a detailed Impact Investment Report showing the real-world outcomes of their investment across Ontario communities.
    This report draws on Fair Finance Fund’s integrated impact measurement system and shares results including impact metric measurements and client stories showcasing how individual loan recipients are strengthening local food systems and delivering social and environmental impact.

    Together, these insights provide a meaningful, grounded view of how your investment is helping to grow sustainable, resilient local economies.

  • Investors have the option to have their principal returned or reinvested after the 5-year term is complete.