Courage
in Capital
Investment, Not Extraction. Partnership, Growth, Opportunity.
Our Vision
5th C Finance adds “Courage” to the traditional 4 C’s of credit—Character, Capacity, Collateral, Capital—delivering patient capital that invests in agricultural producers for the long haul.
Financing A Better System
Our deal vs. a typical lender scenario.
5th C Finance
Total funds:
$250,000
• Principal Optional
$250,000 @ 10%
Annual Repayment:
$25,000 /yr
Conventional Financing
Total funds:
$250,000
$210,000 @ 8% / 5 yrs
$40,000 @ 8% / 12 mo
Annual Repayment:
$94,350 /yr
The Difference?
$69,350
$40,000 in Operating Capital
$29,350 to Reinvest in the Operation
••••••••
The exact same production leaves $69,350 of income for operating, maintaining, or expanding the business.
••••••••
Empowering Producers to Prosper.
5th C invested in a young Native American woman to get a start in the beef cattle business. Her loan was $30,000 with 2 strings attached:
Payments of $3,000 (10%) a year, every year she keeps it.
Maintaining the value of the security.
She pays the principal back when it feels right. That's it. It's simple, it's clean, it helps her grow her business, and she pays 10% annual interest. No extractive and complicated financial modeling required.
Book a Meeting
Meet our founder Zach Ducheneaux to explore whether 5th C might be a fit for your investment goals, philanthropic mission, or production needs.
