YOUNG,
BEGINNING
AND SMALL
PRODUCERS

As a customer-owned financial
cooperative, we are committed
to serving the next generation of
farmers and ranchers.

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If you have a plan to start a farm or ranch, we have a plan to help.

We work with thousands of farmers and ranchers to help them start or grow in production agriculture. As of December 31, 2023, we had 21,749 unique young, beginning and small customers, with total loan volume of $6.6 billion.

The future of agriculture is our future too — and we are committed to helping the next generation succeed.

Specialized Loan Programs

Instead of fitting you to a product, we customize our services to fit you. We will look at your needs, opportunities and risk to create a viable, sustainable plan to help you meet your goals.

Young & Beginning Farmer Loans

Young & Beginning Farmer Loans

Growing your farm or ranch is a significant financial commitment and can be especially challenging for less-established producers. That’s why we’ve tailored a program for producers age 35 or younger, or with 10 years of experience or less, that matches our loan products with modified credit approval standards. This program helps get you the capital you need while you strengthen your financial position.

Development Fund

Development Fund

This program is designed to enhance working capital and assist with livestock facility expansions for young and beginning producers*, as well as provide financial guidance, planning and education to position your plan for success.

Qualified participants develop an actionable business plan and can receive a modified installment loan for breeding livestock, contract finishing and other specialized financing for 5 to 10 years and up to 250,000. These modified loans help to support the growth of the operation by providing the liquidity to cover both operating and expansion expenses.

*Additional qualifications, including credit scores, financial history, and family relationships with company employees and/or board members may limit eligibility.

FARM AND RANCH LOANS AND LEASES

From operating lines of credit, to farmland and ranch land, to livestock, equipment and facilities, we finance every aspect of farm operations and ranch operations for first-time farmers and ranchers.
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WorkSmart® Line of Credit

Finance your farm or ranch with an operating line of credit that includes money-saving benefits and time-saving features you’ll find nowhere else. APPLY

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Real Estate Loans

Finance or refinance farmland, pastures or acreages with attractive rates, ag-friendly flexibility and cash-back dividends.
APPLY   REFINANCE

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Intermediate-Term Loans

Flexible, convenient, money-saving features for financing livestock, ag facilities, eligible farm equipment and vehicles, farm improvements and more.   APPLY

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AgDirect® Equipment Financing

Along with options to buy, lease or refinance farm equipment, you’ll find attractive rates and the most ag-friendly terms in the business.
APPLY   REFINANCE

facility-loans
Facility Loans

Flexible, convenient, money-saving features for financing cattle and hog barns, farm storage buildings, grain bins and more.
APPLY

leases
Leases

Save costs, improve cash flow and gain tax advantages with our leasing options for farm storage buildings, grain bins, cattle and hog barns, farm equipment and vehicles, and more.

"Without Farm Credit, none of this would have been possible. They took some risk and it was nice to grow with them."

John

Grain Producer, Nebraska

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John

Explore Educational Content

how farm loans work

The Business of Agriculture

Farm Loans: How They Work

Learn how Farm Credit agricultural loans and leases work including down payments, interest rates, how to qualify and more.

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The Business of Agriculture

Calculating Your Cost of Production Takes the Uncertainty Out of Your Decisions

E-learning program focuses on the "why" behind using cost of production numbers and the application to different business decisions.

loan payment calculator

The Business of Agriculture

Farm Loan Affordability: It’s Not Just the Interest Rate

Learn about the calculator and educational programs we offer to help you manage your farm loans and cash flow.

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digital tools that work for first-time farmers and ranchers.

AgriPoint®

View balances and transaction history, transfer funds, make payments and more.

Remote Deposit

Scan and apply checks, including third-party checks, as payments directly into your WorkSmart operating line of credit — without maximum limits.

FCSAmerica® Mobile

Access your operating line of credit anywhere from your mobile device. Use the Remote Deposit feature in our app to save time and money depositing checks.

Side by Side Digital Series

Farm Credit Services of America has an unique educational series that tackles topics tailored to young and beginning producers.

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Side by Side digital series

Ready to Talk?

Contact us if you have questions or need more information. Fill out the form, or connect with your local office using the Office Locator.

FCSAmerica serves farmers, ranchers, agribusinesses and rural residents in Iowa, Nebraska, South Dakota and Wyoming. For inquiries outside this geography, use the Farm Credit Association Locator  to contact your local office.