Sunbury Urban Farm
Friends of Red Oak Community School, LLC
The recommended minimum investment amount is $10,000.00
Clicking "Get Started" and communicating your level of interest is not a binding commitment.
Minimum Loan Goal
Total Loan Requested
Interest Rate
Effective Rate
Investment Term
5 years
Funding Progress
Amount Committed to Date
Amount Committed to Date
Total Investors
Total Investors
Investors Accepting Reduced Returns
Investors Accepting Reduced Returns
* This listing is for informational purposes and is not an offer to sell or a solicitation of an offer to buy any securities. Any offering or solicitation is restricted to qualified prospective investors who are supporters of Sunbury Farm, who have reviewed a confidential offering memorandum and who have executed the subsequent subscription documentation. The borrower will review and validate all prospective investors prior to a formal offering being made. Persons accessing this site are deemed to represent that they will not use the information herein to offer to purchase securities in a manner that would violate restrictions set out in the information or any securities laws of any jurisdiction.

Reason for Loan 

Non-profit organizations Red Oak Community School and Sunbury Urban Farms have partnered up and are seeking investors.

Sunbury Urban Farms (SUF) recently purchased a 15 acre property in Northeast Columbus that will be the new home for Red Oak Community School (ROCS). Unfortunately, as nonprofit organizations, neither are eligible to take out loans to support necessary improvements to the land and construction of new classroom spaces. Additionally, capital campaigns and large donations are hard to come by. But the demands for the school are immediate and necessary in order to provide the best environment and continued education for our community and SUF. ROCS and SUF together, are seeking investors to support the short-term growth and development of the property.

This loan will be used to build the Red Oak Community School (ROCS) campus on the Cassady side of the new property. This includes purchasing beautiful, new classroom buildings and nestling them in among the trees, as well as constructing a multi-use structure to house indoor/outdoor bathroom facilities, gear storage, an indoor space for eating lunch or playing in bad weather. The proceeds will also be used to run utilities out to the school buildings, add a parking lot and various other property improvements (clearing out debris, cutting back plant overgrowth, pruning trees, creating a proper school entrance, etc.).

Community Impact

If the loan to Sunbury Urban Farm is obtained, the positive impact to Red Oak Community School is immediate and vital. Having classroom space will allow the school to continue to build their vision of providing developmentally appropriate, nature-based education to children in Columbus.

Ground Work

Other sectors of the community will benefit from this loan as well. With this loan, SUF will be able to begin shaping the figurative and literal landscape of their neighborhood. Sunbury Urban Farm will cultivate food and community in their 1+ acre farm. Plans include a Community Supported Agriculture (CSA) program run by community growers in cooperation with teen apprentices, and students and families from Red Oak Community School. Neighbors will have access to fresh food as well as classes on how to prepare it in the manor house. A grant from MidOhio Food Bank has already been received to get this work started.

In addition, this loan will aid Sunbury Urban Farm in hosting afterschool programming and summer camps for children. It is a well-documented and much-lamented fact that children just don’t get the time they need in nature. SUF can provide the outlet for the creativity and sheer well-being of children who attend their camp. SUF and ROCS have the drive, the vision, and the framework to put into place the programs which will benefit all the people who wish to partake. 

History of organization

Sunbury Urban Farm is a new entity founded in 2017 which strives to educate and inspire the public as to the importance of agriculture, nutrition, sustainability, and the environment. Our vision for the farm is to become a central place where youth and adults can learn about farming and connect through a variety of programs and resources.

Ground Work

Red Oak Community School was established as the only nature inspired elementary school in Columbus in the Fall of 2016. Heading into its second year, the school has built a waitlist and outgrown its initial space at The First Unitarian Church in Clintonville. The school is currently working on plans to expand and collaborate with Sunbury Farm to add agricultural education to its curriculum. This partnership will provide new opportunities for experiential and service learning for ROCS students and their families.

SUF and ROCS each have a Board of Directors compromised of Columbus-area non-profit veterans and community members who work together to create and facilitate mission-driven activities in conjunction with staff, school families, and volunteers.


"The way school should be done. Excellent education. Kids aren't herded through the day like cattle nor are they regulated to sitting and filling out worksheets all day long. At Red Oak, it's okay to enjoy your lunch. You can teach coding without computers. Your child won't be subject to a standardized test that they don't understand. Your child will learn to be a great reader without having to meet a book quota. Play time isn't cursory, but a significant part of learning, not separate from it. Red Oak excels in teaching children how to self-start, explore, hypothesize. Highly recommend Red Oak Community School." - Christopher Rismiller, ROCS Dad

"Our experience with Red Oak has been above and beyond what we hoped for. Our daughter is learning so much and she's having so much fun doing it! I love the holistic, organic, student-led approach to learning that Red Oak takes. I love that my kid can move freely throughout the day and that her learning doesn't revolve around sitting at a desk. The other night after a trip to the bathroom, N just had to share with me what she had learned about the O sound that day. It's been so fun to see her confidence with reading grow and to watch her excitement over being able to sound words out. We feel so fortunate to be a part of this school." - Lisa Gillispie, ROCS Mom

Loan/Offering Details

Friends of Red Oak Community School, LLC (“LLC”) is a newly formed entity established for the sole purpose of raising investment funds through the sale of Notes in which 100% of the proceeds will be used to make a loan to Sunbury Urban Farm (“SUF” or “Borrower”) evidenced by a Loan Agreement, Promissory Note and Mortgage secured by the property located at 2140 Sunbury Rd, Columbus Ohio 43219 (the “Property”).

Ground Work

Sunbury Urban Farm has purchased a 15 acre property which will host Red Oak Community School's campus. The loan of up to $325,000 from the LLC will cover the costs of renovating the property for school, including demolishing an existing structure, clearing brush/tree pruning, constructing a parking lot & driveway, purchasing/installing our first three classrooms, as well as a multi-use school building.

The loan from LLC will be used to finance property improvements such as purchasing new classroom buildings, constructing a multi-use structure, adding a parking lot, etc. Each potential investor is encouraged to read all information provided within the listing including the supplemental documentation. This includes reviewing the past, current, and forward-looking financial information provided, 

The Notes to supporters of Sunbury Urban Farm and Red Oak Community School will have a maximum interest rate return of 5.0% for a period of 5 years. Each investor will have the ability to further reduce the rate for their specific Note which results in greater positive impact for the Borrower.

IMPORTANT: All potential investors need to click on the blue button above titled "Offering Memorandum" to read all about the details of the note investment opportunity in Friends of Red Oak Community School, LLC.

Necessary Disclosures

Each potential investor is required to read all information provided within the listing including the supplemental documentation. This includes review of the past, current, and forward-looking financial information provided, as well as documentation on the Property. This supplemental information helps provide context to the credit worthiness of the Borrower and the value of the Property which is collateralizing the loan. NOTE: Borrower is a newly-formed organization and, as such, has no past fnancial information to demonstrate its ability to support the loan obligation.

Ground Work

When purchasing a Note in this offering, the investor will be relying on the Borrower to make the installments payments due on the Loan and payment of principal on the maturity date of the Loan. Please refer to the Offering Memorandum by clicking on the blue button above for further information on the Note investment opportunity as well as related investment risks.

Further, it is important to review the Borrower’s plan for repayment (“Repayment Strategy”), located in the “Borrower Information” tab, which outlines the plan for reducing principal during the term of the Loan as well as how the Borrower plans to address the balance of the Loan when it matures. NOTE: Borrower is only required to satisfy installment payments on the loan and is not contractually obligated to make additional principal repayments on the Loan until the loan comes due.

FURTHER NOTE: SUF is relying heavily on ROCS lease payments to cover its debt payments. Due to this, it is important to review financial information for Red Oak Community School. Past, year-to-date, and financial projections looking forward for ROCS are available under the "Resources" section.

Use of Proceeds / Collateral Details

Borrower has set the minimum loan need at $250,000 with a maximum loan from the LLC of $325,000 to complete property improvements. The loan amount may be reduced in the event that designated gifts are realized. To understand use of funds for the minimum amount of $250,000, and attached under "Resources" is a detailed list titled Cost Breakdown which outlines the different uses.

Ground Work

In purchasing the Property, Borrower received Seller Financing which is secured by a mortgage on the Property for the full purchase price of $135,000. Thus, the Mortgage securing the loan from the LLC will be in a subordinate second position to the bank loan. There are inherent risks that need to be understood. NOTE: If Sunbury Urban Farm is unable to support its outstanding obligations, any resources that are available, including proceeds from the sale of the Property, would first be directed toward paying off loans in a preferential position.

No formal "As-Completed" appraisal has been completed to establish a value of the Property at this time. The Property was purchased for $135,000. Until an "As-Completed" assessment of value of the Property has been provided to communicate otherwise, it should be assumed that the up to $325,000 in financing to complete improvements will be secured by a Property whose “As-Completed” value will be less than the total debt. NOTE: While it should be assumed that the improvements made on the Property would increase the value, potential investors should make a decision based on the fact that, if the Property had to be sold to satisfy obligations, investors would realize a potential total loss on their investment.     

Property Collateral

Property Address: 2151 Cassady Road, Columbus Ohio 43219
Property Status: Owned
Property Value: $_____________




Repayment Strategy

Ground Work

Sunbury Urban Farm will be making monthly payments on the loan for five years utilizing rental income from ROCS. At the end of the five year period, SUF will pay back our investors with a traditional bank loan with monthly payments that will remain in budget. Additionally, after the first year of operation an additional $1000 will be set aside each month, totaling $48,000 over four years, to put towards a down payment on the loan.

Risk Questionnaire

Are there any outstanding or pending litigations against the Borrower? 


Are there any material changes in revenue sources that should be disclosed or are not represented in the financial information provided?  

Yes. ROCS is going to be adding 10 extra full-time equivalent spots for the 2017/2018 school year, with the potential to add even more as the year goes on. Further, ROCS has also raised our fundraising goal for the year from $6K to $15K, and while this isn't exactly a "revenue source," it does represent a significant change.

Are there any material changes in operating expenses that should be disclosed or are not represented in the financial information provided?

Yes. ROCS's monthly rent amount will be raised significantly with the new property. It was $1350 for the 2016/2017 school year (August-June), and will be $6500 monthly with the new 10-year lease.

Are there any material changes in the Borrower’s leadership (compensated or non-compensated) that should be disclosed? 


Are there any employment issues or claims outstanding or pending? 


Are there any environmental issues on any of the real estate related to the Borrower loan?


Has the Borrower been in default in any obligations in the past 3 years? 


Has any of the key leadership of the Borrower (compensated or non-compensated) been involved in any pending or current litigations or judgments that could adversely impact their ability to serve the Borrower? 


Has any of the key leadership of the Borrower (compensated or non-compensated) ever been indicted or convicted of a felony? 


Frequently Asked Questions

QUESTION: What is the next step?

ANSWER: At the point that you are ready to participate, select "Get Started" and follow the simple steps. It takes about 2 minutes to enter the basic information, including your email address, amount you want to invest, and the rate of return you would like to receive. Choosing to take this first step is not a binding commitment.

QUESTION: What if I want to get my money out before the end of the investment term?

ANSWER: If you plan to access the funds prior to the maturity of the investment, it is encouraged that you not invest since there are currently no well-defined secondary markets for the investment. In the case of hardship, best efforts will be made to see if someone else would like to take your position, although there are no guarantees.

QUESTION: Can I make an investment using retirement funds?

ANSWER: Yes, but you are not typically able to direct funds from your current employer 401(k) or 403(b). If the instructions online are not clear or if you have questions, please contact Semble.

QUESTION: Are there costs in using a retirement account (i.e. IRA) to invest?

ANSWER: Yes, all custodians will charge a fee for holding this type of investment because they are not compensated through the normal fees they realize in holding traditional investments (stocks, bonds, mutual funds, etc.). The fee varies based on the custodian. The IRA custodian that is the preferred provider through Semble has a $25 setup fee and a flat annual cost of $65/yr. This cost should be taken into consideration when making an investment. There are no costs to invest using non tax-deferred funds since there is no need for custodial involvement.

Ready to commit to invest in the loan needs of Sunbury Urban Farm?

Click the blue Get Started button to enter your commitment. This is a non-binding commitment and Semble investor support is always available if you have any questions or need assistance.