Small Farm Fund Finder
FederalRolling / continuousLoan / creditNationwide

FSA Emergency Farm Loans

USDA Farm Service Agency

Low-interest recovery loans for producers in counties with a declared natural disaster — replace lost equipment, replant, restructure debt, or cover living expenses after a bad year.

Typical award
Up to $500,000; up to 100% of actual production or physical loss
Deadline
Within 8 months of a disaster declaration
Type of support
Loans & credit · Disaster recovery
Who can apply
Individual producer, Beginning / underserved, Tribal
Fits these operations
Vegetables & produce, Cut flowers, Orchard & fruit, Mixed / diversified, Value-added & food business, Urban farm
The eligibility and application details below are general guidance for this kind of program, not text copied from the funder. The facts above — who runs it, how much, and when it closes — are hand-checked. Always confirm specifics on the official page.

Am I eligible?

  • Open nationwide — check for state-level ranking or set-asides
  • Individual farmers, ranchers, and farm businesses may apply
  • Tribes, tribal producers, and tribal enterprises are eligible
  • Beginning, veteran, and historically underserved producers are prioritized
  • Active SAM.gov registration and UEI number required before award
  • Must be in compliance with USDA/federal program rules (AGI limits, conservation compliance)
  • Credit history, repayment ability, and collateral are reviewed
  • Business plan and cash-flow projections generally required

How to apply

  1. 1Talk to a USDA Farm Service Agency loan officer about the size and purpose of the loan
  2. 2Assemble financials: balance sheet, income history, and projections
  3. 3Submit the application with your business plan and collateral information
  4. 4Respond to underwriting questions, then close and draw funds

What you'll need

  • Farm or business name, address, and tax ID / EIN
  • Three years of tax returns (or projections if you're just starting)
  • Current balance sheet and cash-flow projection
  • Business plan and description of what the loan will buy
  • Collateral list and any existing debt schedule

Timeline & contact

Typically 30–90 days from application to closing, faster for microloans
Get help: USDA Farm Service Agency — your local USDA Service Center or state office can walk you through it

Ready to apply?

Applications go through USDA Farm Service Agency, not through this site. Open the official page below for eligibility rules, forms, and contacts. For federal programs it's worth calling your local USDA Service Center or Cooperative Extension office first — they help with paperwork for free and know what your county actually funds.

This listing was last hand-checked August 2026.

Similar opportunities

FederalRolling / continuousCost-share / reimbursement

Emergency Conservation Program (ECP)

USDA Farm Service Agency

County sign-up periods after a disaster event

Cost-share to repair storm and flood damage to farmland: debris removal, fence replacement, restoring conservation structures, and emergency water for livestock and irrigation.

  • Open nationwide — check for state-level ranking or set-asides
  • Individual farmers, ranchers, and farm businesses may apply

Up to 75% cost-share (90% for underserved producers)

Disaster recoveryIndividual producerBeginning / underservedTribal
Official pageFull detailsChecked August 2026