FederalRolling / continuousLoan / credit
USDA Farm Service Agency
Apply any time at your local FSA county office
Government-direct operating credit for seed, tools, livestock, fuel, labor, and family living expenses. Designed for growers who can't get commercial credit on reasonable terms — including very small operations.
- Open nationwide — check for state-level ranking or set-asides
- Individual farmers, ranchers, and farm businesses may apply
Up to $400,000; terms 1–7 years
Operating capitalIndividual producerBeginning / underservedTribal
FederalRolling / continuousLoan / credit
USDA Farm Service Agency
Rolling; applied for through your lender
USDA guarantees up to 95% of a loan made by your own bank or credit union, which often turns a 'no' from a commercial lender into a 'yes' for a small or unconventional operation.
- Open nationwide — check for state-level ranking or set-asides
- Individual farmers, ranchers, and farm businesses may apply
Up to roughly $2.25 million guaranteed
Operating capitalIndividual producerBeginning / underservedTribal
FederalRolling / continuousLoan / credit
USDA Rural Development
Rolling through participating intermediary lenders
Microloans and free business coaching delivered through local lenders for rural businesses with 10 or fewer employees — a good fit for farm stands, CSAs, and small food ventures.
- Open nationwide — check for state-level ranking or set-asides
- Individual farmers, ranchers, and farm businesses may apply
Microloans up to $50,000
Operating capitalIndividual producerBeginning / underservedTribal