High Yield, Quarterly Income, Lower Volatility

The Harvest Returns Private Credit Fund II loans capital to American farmers, ranchers, and agribusinesses secured by real assets.

Since 2019, we've deployed over $17 million to private credit offerings and distributed more than $13 million back to investors with an average annual return of 9.9%.* Building on the success of our first private credit fund launched in 2023, we’re pleased to announce our second private debt fund to provide accredited investors regular, risk-adjusted income streams.

This offering is available to accredited investors only with a minimum investment of $25,000.

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Why Invest?

  • Secured Cash Flow: Medium-risk investment opportunity with high yielding, consistent quarterly income with capital protection

  • Inflation Protection: Short maturity debt notes (1-3 years) focused on first lien agriculture real estate loans with an emphasis on sustainable and regenerative farming practices

  • Lower Volatility: Private credit investments are less influenced by broad market trends, focusing instead on the strength of individual deals

  • Managed Risk: Loan portfolio diversified across geography and business type collateralized with real assets

  • American Farmers Need Capital: Flexible, negotiated terms tailored to support cash flow requirements

  • Expert Underwriting: Experienced due diligence team and streamlined underwriting processes with a track record of performing loans and returned capital

Our Private Credit Track Record

Our private credit investments have outperformed the Bloomberg US Aggregate Bond Index for four out of the last five years. From 2019 to 2025, the average annual return on all of our Private Credit Investments was 9.9%.*

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*This web page does not constitute an offer, solicitation or recommendation to invest in Harvest Invest-085, LLC (“Harvest Returns Private Credit Fund II”) or any investment program sponsored by Harvest Returns, lnc. ("Harvest Returns"). An offer to invest in the Fund may only be made pursuant to definitive offering documents, including a private placement memorandum.

This page includes unaudited historical and projected returns for investments made through single investment vehicles and Harvest Returns Private Credit Fund I. Projected returns for unrealized investments are estimates based on Harvest Returns’ opinion of predicted future cash flows and ultimate sales price of each investment, as well as other assumptions regarding future events. ln addition, the terms of the single investment vehicles, including fees and expenses, are materially different from the Fund. Therefore, the historical and projected returns presented herein should not be relied on as a predictor of the performance of the Fund. All information contained in this web page is as of March 2026 unless otherwise indicated. Harvest Returns has no obligation to disseminate any updates or revisions in the event of any change in the accuracy of the information presented.