Agricultural Credit

The U.S. Department of Agriculture’s Farm Service Agency (FSA) provides direct and guaranteed loans to help farmers and ranchers start, expand, or maintain family farming operations. These agricultural credit programs offer financing for those unable to secure commercial credit, supporting a thriving agricultural economy through options like farm ownership, operating, and emergency loans.

Types of Farm Loans

FSA tailors loans to diverse needs. Farm Ownership Loans assist with purchasing or improving farmland, offering up to $600,000 in direct loans and $1,750,000 in guaranteed loans. Farm Operating Loans provide up to $400,000 for livestock, equipment, seeds, and daily costs. Emergency Loans aid recovery from disasters, Conservation Loans promote environmental practices, Storage Loans fund facilities, and Commodity Loans offer harvest-time cash flow support.

Programs for Beginning and Small Farmers

Special initiatives reserve funds for beginning and socially disadvantaged farmers. The Down Payment Program enables purchases with just 5% down. USDA Microloans simplify access for small operations with reduced paperwork. Find USDA grants and loans for beginning farmers to build your operation.

Applying for Credit

Check eligibility online and contact local FSA centers for guidance. Follow this step-by-step guide to applying for a USDA farm loan to secure financing efficiently.