MARBIDCO: Financing Maryland’s Food and Fiber Future
A Source For Agricultural Business Development Financing Assistance
The Maryland Agricultural and Resource-Based Industry Development Corporation (MARBIDCO) provides Maryland agricultural and rural businesses with the supplemental resources they need to start and grow their enterprises.
MARBIDCO is a nimble quasi-governmental organization that is an instrumentality of the State of Maryland, with a mission to serve the State's commercial farming, forestry, and seafood industries.
MARBIDCO assists qualifying businesses in securing affordable capital and credit for equipment, commercial facilities, and real estate purchases - often partnering with commercial lenders and state and local economic development and land conservation organizations.
MARBIDCO is committed to supporting the sustainability of the state's agricultural, forestry, and seafood businesses, most of which are family-run enterprises, while at the same time helping to ensure the viability of the rural working landscape that Marylanders so greatly cherish. A safe and healthy local food supply, clean air and water, thriving rural communities, and productive pastoral scenic vistas are what we plan to help sustain for future generations.
What MARBIDCO Offers:
Low and moderate-cost loan programs for farmers, watermen, as well as aquaculture, seafood processing, and wood processing businesses
Partnership arrangements with commercial lenders to help maximize rural lending opportunities
Beginning Farmer land access financing leading to productive agricultural land being permanently preserved
Targeted specialty incentive grants for local farm food aggregation and certain farm and resource-based businesses
MARBIDCO staff can consult with individuals and businesses to determine which programs are the best fit.
Video by Егор Кострома: https://www.pexels.com/video/growing-flower-bearing-shrubs-on-grass-land-4763489/
What’s New?
Maryland Value-Added Producer Matching Grant (USDA Option) Closes April 1
Maryland Value Added Producer Matching Grant (USDA Option) is designed to encourage participation in USDA's highly competitive Value-Added Producer Grant Program, which offers both planning and working capital components. The USDA VAPG does not award funding for capital equipment purchases.
The USDA Value-Added Producer Grant Program is offered annually. It requires a non-federal financial matching commitment, and each application for MARBIDCO’s Maryland Value-Added Producer Matching Grant (MVAPMG) must include a “verification of matching funds."
To incentivize Maryland farmers to apply and to increase their competitiveness in the application process, the MVAPMG offers a grant of up to 15% of the USDA matching requirement. To be eligible to apply to MARBIDCO for funding, an applicant must also qualify under the USDA VAPG Program, and funds will only be awarded to those who receive the USDA VAPG award.
These federal grant funds can be used for planning (up to $75,000) or working capital expenses (up to $250,000) per USDA regulations. Eligible purposes include feasibility studies or business plans, and working capital for producing and marketing value-added agricultural products.
The USDA VAPG offers two options:
Grant and matching funds can be used for planning activities or for working capital expenses related to producing and marketing a value-added agricultural product. MARBIDCO offers up to $11,250 for Planning Grants and up to $25,000 for Working Capital Grants. The deadline is April 1, 2025.
Examples of planning activities include conducting feasibility studies and developing business plans for processing and marketing the proposed value-added product.
Examples of working capital expenses include: processing costs, Marketing and advertising expenses, and some inventory and salary expenses.
Certified Local Farm and Fish Food Aggregation Grant Program Helps Non-Profit Grow Providing Income Security to Farmers
“With the help of MARBIDCO, the Alliance has provided income security to the farmers and has improved employment in the area. When other farmers see what we are doing, they want to join. It is a new beginning for farmers. The more farms that produce, the stronger the food security in the region,”
MARBIDCO Success Story
Meet Dr. Nadine Burton, an innovative Alternative Crop Specialist at the University of Maryland Eastern Shore and the dedicated owner of Tallawah Farms, LLC, and Michael Edwards of Wood Duck Landing Farm. They are at the forefront of the Around the Bay Farmers' Alliance (ATBFA), a vital non-profit they established in 2021. This coalition consists of 52 diverse members, including 10 active farmers, agricultural service providers, researchers, extension agents, and stakeholders, united in their mission to enhance food security across the region.
In 2023, the farmers of ATBFA collectively sold over 90 tons of fresh produce, supplying key clients such as the Capitol Area Food Bank and Maryland Food Bank. Their reach extends across Maryland, Virginia, Washington D.C., Pennsylvania, New York, New Jersey, and Delaware, ensuring that local food banks and wholesalers benefit from high-quality specialty foods.
When Dr. Burton learned about MARBIDCO's Certified Local Farm and Fish Food Aggregation Grant Program, she seized the opportunity despite her initial apprehensions about grant writing. “This was my first grant,” she remarked. “With great assistance from MARBIDCO guiding me through the process, I realized it was much easier than I had thought. If you can read and write, you can apply.” Her positive experiences with MARBIDCO emphasized that grantees receive continuous support even after they are awarded the funding.
The grant funds enabled the Alliance to purchase a refrigerated truck, construct a much-needed pavilion, and acquire essential supplies for packaging produce for wholesale buyers. Dr. Burton, whose roots trace back to Jamaica, infuses a wealth of knowledge about specialty crops into her farming practices. She grows a variety of produce on her six-acre farm, including callaloo, a nutritious staple in Caribbean cuisine.
Before planting season, Dr. Burton and Mr. Edwards turn their attention to understanding their clients' food needs, sharing this information with fellow Alliance members to adjust crop production based on demand. “We strive to meet the needs of our customers,” Mr. Edwards emphasized, noting a recent request from Seton Center for year-round produce. This organization, part of Catholic Charities, plays a role in delivering essential food assistance to over 83,000 individuals and families in Delaware and Maryland.
With the support of the MARBIDCO grant, they have been able to plant more crops. Wood Duck Landing Farm has dedicated two tunnels to fulfill the Alliance's goal of year-round food supply: one for vegetables destined for Seton Center and another nurturing more than 34,000 seedlings for future planting.
Dr. Burton proudly highlights the achievements of small farms on both sides of the Chesapeake Bay. Near the end of the season, she shared, "We have 2 tons of produce and project an additional 2 tons by year-end." The farming community is transitioning to hoop house production, extending growing seasons and diversifying income streams. Recently, they delivered 5,000 pounds of fresh produce to the Capitol Area Food Bank.
Many more opportunities lie ahead, including potential sales to the Somerset County School system, contingent upon securing additional funding for processing and packaging equipment. Their vision includes building a facility for cleaning, cutting, and wrapping fresh vegetables tailored for local schools.
Beyond farming, Dr. Burton and Mr. Edwards are passionate educators of environmental practices and sustainable farming. Mr. Edwards practices growing organic cover crops between fresh produce rows, a technique that restores soil nutrients and minimizes the need for fertilizers and pesticides. Remarkably, he has utilized only 25 pounds of fertilizer on six acres, yielding a kale crop that filled 190 boxes, turning a healthy profit.
In a world where food security is increasingly crucial, the work of Dr. Burton, Mr. Edwards, and the ATBFA is essential. MARBIDCO supports ATBFA’s efforts by investing in a sustainable and healthy future for our communities.
What People Are Saying About MARBDICO
“We were fortunate to receive a grant from MARBIDCO that truly transformed our business. With their support, we built a commercial kitchen on our farm, which allowed us to turn our homegrown herbs into a unique value-added product: Urban+Ade, an herb-infused lemonade. Thanks to this grant, we’ve been able to offer Urban+Ade in three versatile formats—by the cup, in fill-and-serve pouches, and unsweetened pouches—giving our farmers market customers more options and helping us expand into the online marketplace. This journey, made possible by MARBIDCO’s belief in our vision, has been a reminder of what’s possible when opportunity meets determination meets financial support. We’re incredibly grateful and inspired to continue growing and sharing something special with our community and beyond.”
One of our objectives is to foster emerging industries and assist new and beginning farmers in their business ventures.
For New Farmers
We have several programs to get you on track to purchase a farm no matter what size. The Next Gen and SANG programs assist you with a downpayment and can help preserve the working farmland in perpetuity. Click the button to learn more about education, training, business resources, and our many grant and loan programs tailored to young and beginning farmers. Call us to discuss your future at 410-267-6807.
Let’s get started today!
For most MARBIDCO programs, practical farm and/or business experience is required and may be supplemented by academic or hands-on training experience.
Our loan and grant programs require business plans and borrower financial information to be submitted. If you have some experience in commercial agriculture, forestry, or seafood, or are working with a mentor, you may qualify for one of our loan or grant programs.
In delivering our financing programs, we work cooperatively with commercial banks, Farm Credit Associations, the USDA Farm Service Agency (FSA), as well as other federal, State, and local government agencies and land grant universities. Please contact us to find out which programs may be right for your business.

“As a young farmer with no collateral or credit history to purchase such a big investment, it is hard to get started in the ag business. MARBIDCO and Horizon Farm Credit have allowed us to establish a future for our family business. Since purchasing our farm, we have been steadily improving our operation.”
– Ryan Rhodes, Poultry Farmer
Queen Anne’s County, MD