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USDA Farm Service Agency (FSA) Loan Program

This loan program helps family farmers and ranchers to obtain loans with a government guarantee at reasonable terms to purchase farmland or finance agricultural production. 

Benefits to Borrowers: 

  • Low, competitive interest rates
  • Long term financing and amortization
  • Start-up agricultural business eligible
Maximum Loan Amount: The maximum loan amount adjusts annually each fiscal year based on inflation

Percent of Guaranty: 90% 

Use of Proceeds: 

  • Operating lines of credit
  • Equipment
  • Farm and Ranch Real estate purchases
  • Livestock purchases
  • Refinance of debt

Maximum Term:

  • Term Loan – 40 years
  • Line of Credit – 5 years
Guarantee Fees: 1.5%


  • Must be citizen of the United States or legal resident alien
  • Been unable to obtain the loan without a guarantee
  • Individual is the owner-operator or tenant-operator of a family farm after the loan is closed
  • Beginning farmer/rancher eligible
1 The USDA defines a family farm as a farm in which the family provides most of the day-to-day labor, a family member is the decision maker, and family members provide both physical labor and management for the farm.
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All loans are subject to credit approval.