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.
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 through the farmers.gov portal. Sign in to the portal with your level 2 eAuth account or create an account to use this feature.
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.
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 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
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.
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:
- US Small Business Administration’s website for help writing your business plan
- AgPlan managed by the University of Minnesota’s Center for Farm Financial Management, for an interactive business planning tool
To get help with your new farm and business plan, contact your local service center to speak with a representative.
Conservation by farmers, ranchers, and forest landowners today means thriving and sustainable agriculture for our future. With that in mind, USDA provides one-on-one personalized support and access to financial resources to help you meet your conservation goals.
Visit our Conserve page to learn about available resources to strengthen conservation across your working land.
Agriculture is a risky business. That’s why USDA’s Risk Management Agency offers crop insurance to help you manage risk across your operation. Crop insurance is a critical component of your farm’s safety net – it helps mitigate production and revenue risks and supports a healthy rural economy.
Use RMA’s Agent Locator to find a crop insurance agent near you.
Emergency and Disaster Financial Assistance
Natural disasters can impact us all. Visit our Recover page to learn about resources USDA offers to help you prepare, recover, and build long-term resilience to natural disasters.
If you’ve recently suffered loss or damage due to a natural disaster, try our Disaster Assistance Discovery Tool. In five simple steps, you’ll learn about USDA disaster assistance programs that might be right for you.
Grants and Cost-Shares
USDA offers a range of grant and cost-share opportunities to keep working lands working, boost production, and strengthen America’s farms and ranches.
Or, maybe you’re interested in conserving natural resources across your operation. Visit our Conserve page to learn about conservation resources for your farm, ranch, or production area.
Are you interested in learning more about tax requirements for your operation? Visit the Internal Revenue Service’s Forms and Publications to Assist Farmers page for forms and publications that relate specifically to farmers.