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High Tunnel

Nalla Farm: Farmer Grows Climate-Smart Farm in Wilmot with Loan

High Tunnel

Finding Solutions for Climate Challenges

Andal found the property in 2017 but spent the next three years writing and negotiating a 10-year lease-to-own agreement (through the Keene-based nonprofit Land for Good) and another couple years working part-time to get the soil and farm infrastructure ready.

In 2022, she opened her business to the public, starting a membership-based produce subscription (a.k.a. Community Supported Agriculture, or CSA), creating a farmstand on her property along 4A that is open May through September, and selling to customers at the Wilmot Farmer’s Market. She grows veggies, fruits, cut flowers, and bedding plants.

The upside: Andal discovered that the farmstand did much better than expected and the town’s 1,400+ residents love her lettuce, tomatoes, carrots, and cucumbers, to name a few. 

“I’ve been blown away by the response,” she said. “I'm the only farm in this town that's doing this commercially.”

The downside: it’s hard to offer a CSA when you don’t have much land because members expect a large variety of produce. So, she’s refocusing on what works and how to make it better on her “postage-stamp of a farm.”

Over the last four years, through the Natural Resources Conservation Service EQIP program, Andal has received grants to purchase two high tunnels, which help her to both extend the growing season by two months and work around challenges like the late spring frost in May 2023. She also received a microloan from the Farm Service Agency for a small high tunnel.

“There are hardly any normal summers anymore,” she said, adding that high tunnels and greenhouses can help control the temperature and conditions for starts and crops.

Andal was on track to add two more high tunnels over the next few years, as well as heaters, as she followed her business plan.

But when the best high tunnel builder in New England announced that they were ending their manufacturing, Andal was suddenly in a bind. The equipment was the least expensive, best quality in the region. She didn’t have the funds to buy more high tunnels outright and the federal government had frozen U.S. Department of Agriculture grants. Lending options for farmers are limited because farming is traditionally a risky business.

Loan Closing

Scaling Up

Then something happened that felt magical, she said. She installed a new mailbox at the farm and changed her business’ address when —  lo and behold — a letter arrived from the New Hampshire Community Loan Fund about help for farmers like her. Andal connected with our lending team about the Community Loan Fund’s sustainable food and farms program, which aims to help more local businesses scale up and strengthen the regional food chain.

Several weeks later, Andal was inside her greenhouse, but she wasn’t planting or weeding — she was signing a loan. Thanks to impact investors, donors, and support from an anonymous trust, the Community Loan Fund provided Andal with a climate-smart agriculture loan with a low, fixed-interest rate to purchase two high tunnels.

She said she felt honored to receive the loan, which goes hand-in-hand with long-term coaching and support.

“I'm definitely investing my life into this,” Andal said. “My silly motto is: if I work hard, it might work out, and if I don't work hard, it definitely won't work out.”

 

By the Numbers

Nalla Farm in Wilmot, New Hampshire, received a loan from our sustainable food and farms program, which aims to help more local businesses scale up and strengthen the regional food chain.

3

Number of acres at Nalla Farm.

106

 Average number of acres of a farm in New Hampshire.

380,000

The number of acres of New Hampshire's best agricultural soils make up only 6.6%, of the state.**

13%

Percentage of Nalla Farm’s income that comes from cherry tomatoes (the top crop).

60%

New Hampshire farmers who have a primary occupation other than farming*

54%

New Hampshire farmers who are over 55 years old (the average age is 59). Only 18% are under 44 years old, like Andal.*

*According to the 2024 Census of Agriculture

** According to UNH Extension