Oryana Microloan Program

An Annual Microloan Program for Farmers and other Food Producers

In partnership with Crosshatch Center for Art + Ecology and Grain Train Natural Foods Markets, Oryana is proud to offer zero interest loans to innovative farmers and food producers in our area. Oryana believes in the power of the local food system and recognizes that the development of thoughtful, ethical growers and makers creates a stronger and more resilient community. If you lead a farm or a food business and are looking for a loan of $500 – $10,000 to support an innovative change in your business or practices, read below for more information and how to apply. 

Who is eligible?

This project aims to enhance an existing local food or farming venture or to help start a new one. The ideal candidate will propose an idea that would boost a farm or food business and elevate the region’s local food system. Applicants using sustainable practices are strongly encouraged, but proposals are not limited to particular practices or scale.

Both Oryana and Grain Train administer microloans each in our area, covering most of the Northwestern Lower Peninsula of Michigan. Specific counties covered include:

Oryana (Southwest Region):

  • Benzie
  • Grand Traverse
  • Kalkaska
  • Leelanau
  • Manistee
  • Missaukee
  • Wexford

Grain Train (Northeast Region):

  • Antrim
  • Charlevoix
  • Cheboygan
  • Emmet
  • Otsego

How often are loans administered?

Microloans are distributed once each year. Applications are released in November with a deadline set in February. Grants are awarded mid-March with funds available immediately. 

What are the loan terms?

Loans are awarded between $500 and $10,000 dependent upon need and application. Loans are administered at a zero-interest rate and there is no application fee. Repayment terms are dependent upon the loan size and set after loans are awarded with a maximum term of 18 months. 

What types of projects are considered?

Our food producers and farmers are incredible innovators and we love to hear new ideas, but some possible projects are listed below:

  • essential tools for the farm or food business
  • materials, land, livestock, or infrastructure essential to the operation
  • certification
  • marketing and distribution
  • professional development
  • value-added product production
  • processing, packaging, marketing for farm products
The application period for the 2025 microloan begins September 23, 2024.
Apply Here

Questions and more information:

If you have further questions or would like to discuss possible project proposals, please contact Daniel Marbury at (231) 622-5252 or by email.