Our findings and recommendations are relatively simple, yet profound. There is an urgent need for mulitlateral development banks to: 1. Set up internal procedures to identify and quantify the ecological impact “externalities,” especially at the agricultural loan application stage to show the True Cost of production; 2. Size those externalities up against the planet’s already overloaded ecological limits (Planetary Boundaries); 3. Say no to additionally damaging agricultural projects, while financing the most ecologically restorative farming alternatives incorporating Biosphere Smart Agriculture; and 4. Incentivize loan officers to follow a stringent True Cost safeguard process with all development loans. Studies indicate that an ecological farming or agroecology approach will most effectively address issues such as adapting to climate change, building fertile carbon rich soil, capturing groundwater, feeding people healthy food, and creating real job and food security.