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Young & Beginning Farmers and Ranchers

Working for the next generation of farmers and ranchers.

Farm Credit Services of America (FCSAmerica) is committed to supporting farmers and ranchers who are starting or growing their operations. Our lending teams have helped thousands of young and beginning producers manage their unique business and financial challenges, matching their needs with the right combination of products and tools to help them achieve success. If you’re looking for a strong financial partner focused on your success, FCSAmerica has a program for you.

Financial Products and Services

Farm Credit Services of America is a leading provider of loan, lease and risk management products, each customized to the unique needs of your growing business. We back these products and services with industry-leading tools to help with financial management and decision-making in your operation. And with our broad network of lending teams, your financing comes with expert advice and personal service.

Young & Beginning 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: This new program assists young and beginning producers who have a plan to start, grow or remain in agriculture by providing them with needed working capital loans and business planning assistance.

If you have a plan to start farming or ranching, we have a plan to help.

Our unique expertise allows us to offer quick turnaround on agricultural loans as well as highly attractive rates and a wide range of financing options and services. Qualifying producers are eligible for the following loans & tools:

  • Real Estate Loans
    Financing for farmland, farmsteads, ranchland and acreages.
  • WorkSmartsm Line of Credit
    Financing for operating expenses that offer the choice of revolving or non-revolving lines of credit with no minimum balance and an interest rate “buy-down” option.
  • Installment Loans
    Specifically designed for intermediate-term credit needs such as hog and cattle facilities, equipment buildings, machine sheds, grain and feed storage, breeding livestock or refinancing debt.
  • AgDirect® Equipment Financing
    Highly attractive options to buy, lease or refinance farm equipment – featuring easy applications and ag-friendly terms. AgDirect® finances dealer, auction and private party sales.
  • Leasing
    Leasing offers a low down payment, up to 100 percent financing and no stock purchase. As a tax management tool, leasing can improve your cash flow and conserve working capital.
  • Financial Management Tools
    AgriPoint® offers you the freedom to manage your accounts online, anytime, anywhere, with complete security. AgriPoint also offers value added content and tools to help you manage your business, featuring:

    • Account Access: this robust management system consolidates account information on all of your loans, and includes bill pay and the ability to transfer funds.
    • Remote Deposit: scan checks as payments to your FCSAmerica line of credit from your home or office using your desktop check scanner or mobile device.
    • Financials: a tool that simplifies the work needed to create your businesses balance sheet and cash flow in a private, secure format. In addition, the Financials tool gives you online access to historical financial statements, scenario planning tools, and financial performance trends.
    • Manage Profits: a dynamic tool that helps you plan grain and livestock marketing while managing risk. The tool simplifies the work of tracking cash contracts, making crop insurance revenue decisions and calculating break-evens.
Contact us today to get started. Call 800-884-FARM, locate your local FCSAmerica office, or complete the request form for more information.

Farm Credit Services of America is dedicated to serving the agricultural credit, risk management and financial needs of farmers and ranchers in Iowa, Nebraska, South Dakota and Wyoming. For areas outside of our chartered territory, visit FarmCredit.com to locate an association near you.

Terms apply; click for details.

WorkSmart-265x265-FCSA-C
Omaha, NE (68137) (edit)
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