Small Farm Fund Finder
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FederalRolling / continuousLoan / creditNationwide

FSA Farm Operating Microloan

USDA Farm Service Agency

Streamlined small loans built for niche and direct-market operations: seed, tools, hoop houses, delivery vehicles, irrigation, and annual operating costs. Simplified paperwork versus standard FSA loans.

Typical award
Up to $50,000 operating; up to $50,000 microloan for farm ownership
Deadline
Rolling — apply any time at your county FSA office
Type of support
Loans & credit · Credit & capital
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

Am I eligible?

  • Family farmers and ranchers with sound credit history
  • Operation must be small enough to need no more than $50,000
  • Must demonstrate ability to repay

How to apply

  1. 1Call or visit your county FSA office
  2. 2Complete FSA microloan application and farm business plan
  3. 3Provide 3-year production and financial history (or training alternative)
  4. 4Receive approval and loan disbursement

What you'll need

  • FSA loan application forms
  • Farm business plan or cash-flow projection
  • Tax returns and financial statements
  • Proof of citizenship or legal residency

Timeline & contact

Initial decision often within 2–4 weeks after complete application
Get help: Local FSA county office

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.

Open official page

This listing was last hand-checked August 2026.

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