Harvest Returns
Agriculture investment for accredited investors
Pros & Cons
Pros
- Diversified ag exposure
- Inflation hedge
Cons
- Accredited only
- Illiquid
- Weather and commodity risk
The Brief
MoneyMade Verdict
Harvest Returns offers genuine exposure to agricultural real assets with a relatively accessible $5,000 minimum, but its thin deal flow, zero secondary market, and accredited-only access mean it works best as a small diversifying allocation — not a core holding.
Harvest Returns is a Fort Worth-based crowdfunding platform founded in 2016 that specializes exclusively in agricultural real estate deals. The platform connects accredited investors to direct-equity and debt investments in farmland, timberland, cattle operations, and specialty ag projects — asset classes that have historically outperformed the S&P 500 on a risk-adjusted basis but have been structurally inaccessible to individual investors due to high minimums and operational complexity. Harvest Returns requires a minimum investment of $5,000 per deal, with most offerings landing between $10,000 and $25,000 minimums.
The platform sources deals directly from operators — farmers, ranchers, and agricultural asset managers — and applies an in-house underwriting process that includes soil quality assessment, water rights verification, operator track-record review, and projected yield analysis. Target returns vary by project type: stable row-crop farmland typically offers 8–12% blended IRRs over 5–10 year holds, while specialty crop or ranching operations target 12–18% with correspondingly higher operational risk. All investments are structured as private placements under Regulation D, with investor ownership in LLC or LP vehicles.
Head-to-Head
| Platform | Min | Target Return | Annual Fee | Liquidity | Accredited |
|---|---|---|---|---|---|
| — | 7–12% | 1–2% management | 1–3 years | Yes | |
| — | 6–10% distribution yield | Brokerage commission | Daily (NYSE) | No | |
| — | 8–15% | Brokerage commission | Daily (public stock) | No | |
| — | 5–8% | Management fee varies | 10+ years | Yes | |
| $100 | 4–8% | Varies by offering | 5–20 years | No |
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