Private capitalpublic trust
We deploy private capital into secured agricultural assets, providing farmers with speed and investors with performance.
Farming is capital intensive. Traditional banks are slow. We bridge that gap, ensuring that American farmers have the liquidity they need to plant, grow, and harvest.
The Capital
Behind COSA
COSA Lending is backed by a network of private investors, family offices, and institutional partners who understand the value of American agriculture. We don't rely on traditional bank deposits, which means we aren't bound by traditional bank bureaucracy.
This capital structure allows us to move faster, lend more creatively, and focus on the asset value rather than just the borrower's credit score.
100% Secured by Real Assets
Diversified Portfolio of US Farmland
Conservative LTV Ratios (Max 75%)
Short Duration (6-24 Months)How Cosa Works
Capital Aggregation
We pool capital from accredited investors and institutions looking for stable, asset-backed yield.
Rigorous Underwriting
We value the land, verify the crop, and structure the loan with conservative margins of safety.
Deployment & Return
Funds are deployed to farmers quickly. Interest is paid monthly or at maturity, generating consistent returns for investors.