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Fund

Fund

USDA offers a variety of funding opportunities to help farmers, ranchers, and forest landowners finance their businesses. Explore the resources below to learn about funding programs that may meet your current business needs.

Find a USDA Farm Loan

Farm Loan

Learn about farm loans that might be right for you by answering a few short questions.

Farm Loans

Farm Loans offer access to funding for a wide range of farmer needs, from securing land to financing the purchase of equipment. Targeted funds are set aside for groups that have been historically underserved, while there are specific loans available for youth agricultural projects and Native American Tribes

Browse all the available farm loans below to get connected with financing options specific to your current needs. If you already have an existing loan, you can securely view loan details and other financial information. Sign in or create a farmers.gov account to use this feature.

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Land Purchase or Construction Project

Direct Farm Ownership Loans provide financing to secure farm land, improve or expand current operations, increase agricultural productivity, and assist with land tenure to save farmland for future generations. The maximum amount available to qualified borrowers is $600,000.

Direct Farm Ownership Microloans are available for the same needs but limited to $50,000. The application process is simpler and requires less paperwork to complete.

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Equipment, Seed, Livestock, and Other Operating Costs

Direct Farm Operating Loans offer financing to purchase equipment, seed, livestock, other necessities to maintain a successful farm and refinancing farm related debts. The maximum amount available to qualified borrowers is $400,000.

Direct Farm Operating Microloans are available for the same needs but limited to $50,000. The application process is simpler and requires less paperwork to complete.

Youth Loans

Youth Loans offer financing up to $5,000 to aspiring farmers between the ages of 10 and 20, in connection with their participation in 4-H, FFA, Tribal youth group, or other similar agricultural youth organization. 

Guaranteed Farm Loans

If you do not meet the qualifications for a commercial agricultural loan, USDA can help you. Guaranteed Farm Loans are available from USDA-approved commercial lenders at reasonable terms. These may be used to buy farmland or finance agricultural production. In some cases, FSA can work with the commercial lender to provide joint financing, utilizing both Direct Farm Loans and Guaranteed Farm Loans to best meet the farmer or rancher’s needs. To learn more about Guaranteed Farm Loans, contact your local service center or contact a commercial lender in your area. 

Funding for Beginning Farmers

Get Started

USDA offers a variety of loans to support America’s next generation of farmers and ranchers. No matter your business needs, there’s a Beginning Farmers Loan to fit your operation.

Business Plan

Your business plan provides a step-by-step roadmap for your investment.
Create a new business plan or update your existing plan with online tools from business and agriculture communities. A couple good places to start include:

To get help with your new farm and business plan, contact your local service center to speak with a representative.

Funding for beginning farmers

Additional Funding



Find Your Local Service Center

We are committed to delivering USDA services to America’s farmers and ranchers while taking safety measures in response to COVID-19. While employees continue to staff our Service Centers, some are only available for phone appointments at this time. You can learn the status of your service center through this tool. Learn more at farmers.gov/coronavirus.

USDA Service Centers are locations where you can connect with Farm Service Agency, Natural Resources Conservation Service, or Rural Development employees for your business needs. Enter your state and county below to find your local service center and agency offices. If this locator does not work in your browser, please visit offices.usda.gov.

Visit the Risk Management Agency website to find a regional or compliance office or to find an insurance agent near you.