Small Farm Fund Finder
All opportunities
FederalRolling / continuousLoan / creditNationwide

SBA Microloan Program

U.S. Small Business Administration (via intermediary lenders)

Working capital and equipment loans for small food and ag businesses through community lenders, often paired with free business counseling. Useful for farm-adjacent ventures FSA won't finance.

Typical award
Up to $50,000; average around $13,000
Deadline
Rolling — apply through a local SBA intermediary lender
Type of support
Loans & credit · Credit & capital
Who can apply
Individual producer, Non-profit, Beginning / underserved
Fits these operations
Value-added & food business, Urban farm, Mixed / diversified, Cut flowers
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
  • Non-profits, co-ops, and community organizations may apply
  • 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 U.S. Small Business Administration (via intermediary lenders) 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: U.S. Small Business Administration (via intermediary lenders) — your local USDA Service Center or state office can walk you through it

Ready to apply?

Applications go through U.S. Small Business Administration (via intermediary lenders), 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.

Similar opportunities

FederalRolling / continuousLoan / credit

FSA Farm Operating Microloan

USDA Farm Service Agency

Rolling — apply any time at your county FSA office

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.

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

Up to $50,000 operating; up to $50,000 microloan for farm ownership

Credit & capitalIndividual producerBeginning / underservedTribal
Official pageFull detailsChecked August 2026
FederalRolling / continuousLoan / credit

FSA Down Payment Farm Ownership Loan

USDA Farm Service Agency

Rolling — apply any time at your county FSA office

Low-interest down payment financing for beginning, veteran, and socially disadvantaged farmers buying their first farm, paired with a commercial or seller-financed loan.

  • Beginning farmer or rancher (generally less than 10 years operating)
  • Veteran or socially disadvantaged farmer status qualifies

Up to 45% of purchase price, max $300,150; 1.5% interest, 20-year term

Credit & capitalBeginning / underservedIndividual producerTribal
Official pageFull detailsChecked August 2026
Private / NonprofitRolling / continuousLoan / credit

Kiva U.S. Crowdfunded Farm Loan

Kiva

Rolling — apply any time

0% interest, no-fee crowdfunded loans for small farms and food businesses that can't access conventional credit. You invite your own network to fund the first portion.

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

Up to $15,000 at 0% interest

Credit & capitalIndividual producerNon-profitBeginning / underserved
Official pageFull detailsChecked August 2026