We are very close to the $5 million goal and moving forward with our Easthampton store!

June 7 Update: Our Co-op Owner Loan Total has reached $4.75 million. We are getting even closer to our goal.  Thank you for your support!

June 5th Update: Momentum on our Wild about Growing Local
Co-op Owner Loan Campaign

THANK YOU to our owners who have loaned (or pledged to loan), and all of those who have cheered us on along the way.

We are very close to our $5 million goal and moving forward with our Easthampton store!

Over the past two months, we’ve had hundreds of enthusiastic, supportive and thoughtful conversations about the project to build a second co-op store in Easthampton. It has been encouraging to hear from so many of you! It’s clear that our community wants to support local farmers & businesses, wants more union jobs, wants a community space that is sustainably stewarded, and wants more accessible local & organically grown food. You can still help-- just 50 more co-op owner lenders are needed to reach our goal!

We have gone over $4.6 million! (This does include some pledges, which we expect most people to make good on soon.) This is more money than we’ve ever raised and faster than we’ve ever raised it. Importantly, we wanted to let you know there is still time to participate! Reaching our goal of $5 million in Owner Loans will leverage the other funding we need to build and open our Easthampton store, including $4 million in economic development funding that will not need to be repaid. Thank you so much for the awesome support for Expedition Easthampton!

We just need 50 more loans. Are you ready to hop on board?

If we don’t reach our goal very soon - it may push our construction start date back, our goal is late August or Early September. If that happens, we’ll lose important pre-winter conditions for construction, which could negatively impact construction costs and our opening timelines. At this point, we expect the project will still move forward, but we need more co-op owner support to keep our project on track. If we do not reach our goal, we will need to consider alternative options.

If you have questions about the project, owner loan terms or interest rates, please let us know so we can send you the information. Email invest@rivervalley.coop, call us at (413) 486-0097 or stop by the customer service desk at the store to let us know you are interested in making a loan.

If you’ve already asked for the info but didn’t receive it, please check your spam/junk mail folder, or let us know so we can make sure you receive it. Please make sure to review the subscription agreement and offering documents before making a loan.

There are three ways to complete your loan upon the decision to invest:

1.) Print (if you received an electronic version of the subscription agreement), sign, and return the Subscription Agreement with your check by USPS to:
River Valley Co-op
Attn: Finance
330 North King St.
Northampton, MA 01060

2) Drop off at the Co-op Customer Service Desk:
ask for the Manager-On-Duty to take your paperwork.

3) If none of the above work for you, please let us know by emailing invest@rivervalley.coop and we can set up an appointment with you!

Once you have submitted your loan:
You will receive an email confirming receipt of the check & paperwork.
In the following weeks, we will mail you a copy of the signed Subscription Agreement & Promissory Note.

We sincerely appreciate your time and consideration and we can’t wait to see you in the aisles in Easthampton!


Over $4.2 million raised! There is still time and we need your support now!


Do you have any more questions about our Loan Program? Email invest@rivervalley.coop, call (413) 486-0097, or stop by one of the Info & Signing Sessions listed below!

There are four ways to complete your loan upon the decision to invest:

I . Print, sign, and mail the Subscription Agreement with your check via USPS to: River Valley Co-op, ATTN: Finance,

330 North King St., Northampton, MAO I 060.

2. Drop it off at the co-op's Customer Service Desk and ask for the Manager-On-Duty to take your paperwork.

3. Stop by and complete your paperwork during one of the Info & Signing Session below:
➔ Friday, May 31, 10am-7pm

4. Contact us and we'll set up an appointment if none of the above work for you.

Thank you for your support on this project! If you would like to submit a loan but cannot get it in by May 31st please get in touch!

Did you catch Rochelle, General Manager and Jade, Board Member and Loan Chair Committee on the Bill Newman Show this talking about our Easthampton Project? Give it a listen and share now to help us meet our $5 million goal!

We’ve had so many people expressing interest in the last few days we will keep the investment open until May 31st so everyone who wants to participate has the opportunity.


Invest in our Wild About Growing Local! Co-op owner Loan campaign to help us open the Easthampton store

Can you help us open the Easthampton store?

Opening a store in Easthampton is the next step in the
co-op’s journey. It will help us serve our customers better, offer more employment opportunities for our staff, and move us forward in our shared aspirations for a growing local foods movement.


Co-op owner loans are a type of “slow money” local investment. Co-op owner loans are as essential now for making the Easthampton store a reality, as they were in 2007 to make the Northampton store a reality. We are seeking economic development program financing that will enable our owner loans to leverage about $4 million in outside funding that will not need to be repaid. This is a way you can earn interest on an investment that makes every dollar of your financial support go even further for the co-op!


Co-op owner loans are only available to River Valley Co-op owners now through May 31, 2019. To be eligible to participate in this offering, co-op owners must have joined the co-op before or as of Friday, March 22, 2019 and be bona fide residents of the state of Massachusetts.


• Minimum loan amount is $2,000 (maximum is $250,000)

• Simple interest is paid annually, principal is held until term maturity

• Co-op owner loans are unsecured and subordinate

• Lenders select terms from 7–10 years and interest rates:

  • Up to 3.5% on loans below $15,000
  • Up to 5% on loans of $15,000 and above
  • Up to 6% for loans of $10,000 and above at 10 year terms


If you’re interested in making a co-op owner loan please contact Jade at invest@rivervalley.coop, call (413) 486-0097 or fill out form below for more information.


Why Expand?

How would you like us to follow up with more information? Please enter email, phone number or address to mail loan information.

Meet the Wright Builder Team