The Resilience in Agriculture Lending & Insurance Coalition (RALIC) is a multi-year program led by TIFS to transform how agricultural risk is measured, financed, and scaled. It brings together lenders, insurers, data providers, and producer coalitions to design financial systems that recognize and reward resilience.
At the heart of RALIC is a simple insight: today’s risk models are backward-looking. They rely on outdated data that fail to capture the proven benefits of soil health, biodiversity, and regenerative practices. RALIC is working to change that—building the data, risk frameworks, and financial tools that enable farmers to access fairer credit and insurance.
Through partnerships with state agencies, insurers, and producer networks, the coalition is equipping leaders, institutions and intermediaries to bridge capital and markets for agricultural system transformation.
RALIC is:
- Developing new actuarial data that quantifies risk reduction from soil-centered farming;
- Creating farmer-owned captive insurance models that provide fair coverage during transition; and
- Aligning lending and policy systems to reflect the true value of resilience
RALIC works with:
- Farm facing crop insurance providers
- Leading NGOs and conservation non-profits
- State-level agriculture departments and conservation districts
- Academic institutions working on soil health metrics and ecosystem service research
- Commodity marketing agencies, including those helping their members improve their carbon intensity scoring
By addressing the Missing Middle of data and finance infrastructure, RALIC is creating the conditions for regenerative agriculture to move up the market maturity curve—from early innovation to recognized market practice.
RALIC is led by Tina Owens, Regenerative Agriculture Systems and Investment at TIFS. To learn more about RALIC or explore partnership opportunities, contact Tina directly at tina.owens@tifsinitiative.org.
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