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  • 3 hours ago
A relatively new and unique way of investing is helping farmers across the country access capital and share risk. It is also allowing an unusual cohort to call themselves farmers for the first time, and often from the comfort of their city homes.

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00:05On mornings like this, when the tide is low and there's barely a breath of wind, here
00:11on the Clyde River at Batemans Bay in New South Wales, it's easy to see why Ewan McCash
00:17is an oyster farmer.
00:19Oh, this is a great lifestyle, a great place to have a family, it's a good longer term
00:25call.
00:27But it's not easy, and all hands are on deck.
00:31Yeah, so like with oyster farming, we don't feed them, we don't treat them, but it is quite
00:37labour intensive job in terms of, like on our farm we have maybe 40,000 oyster baskets
00:44and the guys are handling like 500 to even a thousand a day, and they can be picked up
00:51and put down in any one of like 250 locations on the river.
00:56Like most farming, it takes a lot of money.
01:00It's probably a lot less than normal agriculture, but it's pretty capital intensive in terms
01:05of to actually grow oysters, we need like plastic baskets or cages to grow them in.
01:10So it costs about $100,000, probably $150,000 a hectare to set up and grow oysters.
01:18Ewan says finding that capital has been a challenge, particularly because in this industry, oysters
01:25are grown on leases issued by the state government.
01:28We can't borrow against that, the banks don't recognise that.
01:32So traditionally, historically, I've borrowed against my own family house to fund the farm,
01:38and that's generally how farmers in this industry will borrow money if they can.
01:42Now, an app known as Invest in Your Farmer, or IF, is helping.
01:49The app allows farmers like Ewan to have access to capital, and at the same time gives investors
01:56the ability to buy into their own little slice of farming from their phone.
02:01It enables people to basically buy a portion of my oyster crop, and I'll farm it on their behalf,
02:08and sell it on their behalf, and they get the benefit by being an oyster farmer.
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