USDA Farm Service Agency (FSA) Loans

The USDA Farm Service Agency (FSA) offers flexible loan programs to help farmers and ranchers start, improve, expand, or transition their agricultural operations. These loans provide critical access to capital for those who may not qualify for traditional financing, including new farmers, underserved borrowers, and family-run operations.


Loan Purposes

Purchase farmland, equipment, and livestock.

Refinance qualifying existing debt to improve cash flow.

Construct or improve farm buildings and infrastructure.

Assist with farm ownership succession and generational transition.

Provide working capital for operating expenses.

Eligible Applicants

  • Family farmers and ranchers unable to obtain credit elsewhere.
  • Beginning farmers and socially disadvantaged applicants.
  • Owner-operators or tenant-operators of family farms
  • Individuals and entities that meet USDA FSA eligibility requirements.

Loan Types Offered

Farm Ownership Loans

For buying or expanding farmland and buildings.

Operating Loans

For equipment, livestock, seed, inputs, or working capital.

Microloans

Streamlined funding for small farms and specialty operations.

Emergency Loans

To recover from production losses or physical damage.

Guaranteed Loans

Private lender loans backed by the USDA.

 Loan Terms & Features

Maximum Loan Amounts

Varies by program (up to $2,036,000 for ownership loans).

Interest Rates

Competitive fixed rates set by the USDA.

Terms

Up to 40 years for ownership loans, 1-7 years for operating loans.

Guarantee

Up to 95% on guaranteed loans.

Collateral Requirements

Based on loan type and applicant qualifications.