USDA is here to help farmers, ranchers, and foresters get the farm loan support they need to be successful. Whether you’re a new farmer just getting started or a seasoned rancher in business for decades, we have farm loan options to help you meet your goals.
Inflation Reduction Act Assistance
Section 22006 Inflation Reduction Act provides $3.1 billion for USDA to provide relief for distressed borrowers with certain Farm Service Agency (FSA) direct and guaranteed farm loans and to expedite assistance for those whose agricultural operations are at financial risk.
Assistance for Producers Facing Discrimination
Section 22007 of the Inflation Reduction Act provides $2.2 billion in financial assistance for farmers who have experienced discrimination in USDA’s farm lending programs. USDA recognizes the Department has not done enough historically to ensure all customers have equal access to its programs and services.
Farm Loan Assistance Tool
Check your eligibility for FSA loans, discover the various FSA loan products, learn about documentation requirements, and follow easy-to-understand instructions when completing the loan application forms.
Farm Loan Discovery Tool
Find a USDA Farm Loan that might be right for you by answering a few short questions. Learn about your eligibility and find application guides to help you prepare for your USDA Service Center visit with a loan officer.
Ver en Español: Buscador de Préstamos Agrícolas
Farm Loan Options
Loans to Purchase or Expand a Farm or Ranch
Farm Ownership Loans can be used to purchase or expand a farm or ranch. This loan can help with paying closing costs, constructing or improving buildings on the farm, or to help conserve and protect soil and water resources.
USDA’s Farm Service Agency (FSA) offers up to $600,000 for eligible borrowers through Farm Ownership Loans.
Microloans are a type of Operating or Farm Ownership Loan. They’re designed to meet the needs of small and beginning farmers, or for non-traditional and specialty operations by easing some of the requirements and offering less paperwork.
Loans to Purchase Livestock, Seed or Equipment
Farm Operating Loans can be used to purchase livestock, seed and equipment. It can also cover farm operating costs and family living expenses while a farm gets up and running.
FSA offers up to $400,000 for eligible borrowers through Farm Operating Loans.
Microloans are a type of Operating or Farm Ownership Loan. They’re designed to meet the needs of small and beginning farmers, or for non-traditional and specialty operations by easing some of the requirements and offering less paperwork.
Youth Loans are a type of Operating Loan for young farmers between 10-20 years old who need assistance with an educational agricultural project. Typically, these youth are participating in 4-H clubs, FFA , or a similar organization.
Storage Loans
Storage loans, like the Farm Storage Facility Loan and the Sugar Storage Facility Loan, can be used to help producers build or upgrade farm storage and handling facilities.
FSA offers up to $500,000 for storage facilities and $100,000 for storage and handling trucks for eligible borrowers through Farm Storage Facility Loans. For Sugar Storage Facility Loans, the maximum principal amount of any loan is calculated as 85 percent of the net cost of the applicant’s needed storage.
Commodity Loans
Marketing Assistance Loans (MALs) provide producers interim financing at harvest time to meet cash flow needs without having to sell their commodities when market prices are typically at harvest-time lows.
Loan Deficiency Payments (LDPs) are payments made to producers who, although eligible to obtain a CCC loan, agree to forgo the loan in return for a payment on the eligible commodity.
Farm Loan Application Quick Guides
Better understand how to apply for farm loans and prepare for your visit to a Service Center.
- Quick Guide for Individuals
- Quick Guide for Entities
- Quick Guide for Microloans
- Quick Guide for Youth Loans
These guides are also available en Español.
Beginning Farmer and Rancher Loans
Are you new to farming or ranching? USDA can help you get started or grow your farming operation through a variety of programs and services. From farm loans to crop insurance, and conservation programs to disaster assistance, USDA is here to support you and your operation.
Log in to View Your Farm Loan Information
If you already have an existing farm loan with USDA, you can securely view loan details and other financial information with a farmers.gov account.
Using a desktop, tablet, or phone, you can access your farmers.gov portal account to view:
- Loan information
- Interest payments for the current calendar year (including year-to-date interest paid for the past five years)
- Loan advance and payment history
- Paid-in-full and restructured loans
- Account alerts, giving borrowers important notifications regarding their loans. For example, an account alert will be displayed if a loan is past due.
Find Your Local Service Center
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.
