COOPERATIVE STRUCTURE

YOU OWN
WHAT YOU BUILD

Forge Towns uses a hybrid ownership model designed for long-term family stability, not speculative gain. Worker co-op for production. Community Land Trust for housing. Patronage dividends for contribution.

COMMUNITY LAND TRUST

Housing is owned via a CLT model with limited equity. Keeps homes affordable for the next family. You build wealth through dividends and labor credits, not speculative appreciation.

PATRONAGE DIVIDENDS

Residents earn labor credits through contribution to the production operation. These convert into patronage dividends — real distributions from real revenue.

SAFETY RESERVE

60% of profits go to a safety and reserve fund. This is not aggressive growth — it is engineered stability. The remaining 40% splits between reinvestment and growth.

HYBRID GOVERNANCE

For-profit holding company operates production. 501(c)(3) Trust manages land and education. Transparent governance with elected resident input and independent board oversight.

PROFIT ALLOCATION

Safety & Reserve Fund60%

Reinvestment (Childcare, Expansion)20%

Growth Sleeve (AI-Optimized Investments)20%

CONTRIBUTION
AND RECIPROCITY

You put in work. You get dividends. Your housing stays affordable. Your kids inherit stability. That is the deal.

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YOU OWNWHAT YOU BUILD