Beginning Farmers and Ranchers Loans

The USDA-FSA targets a portion of its loan funds to small and Beginning Farmers and Ranchers (BF). A beginning farmer is defined as one who:

  • Has not operated a farm or ranch for more than 10 years
  • Does not own a farm or ranch greater than 30 percent of the average size farm in the county as determined by the most current Census for Agriculture
  • Meets the loan eligibility requirements of the program to which he/she is applying
  • Substantially participates in the operation

Maximum Loan Amounts

  • Direct FO (farm ownership): $300,000
  • Direct OL (operating loan): $300,000; Microloan: $50,000
  • Guaranteed FO or OL: $1,392,000 (Amount varies  annually based on inflation).

Contact your local FSA office or USDA Service Center to learn more about our programs and the information you will need for a complete application. 

Contact Beginning Farmers and Ranchers Loans

USDA Farm Service Agency

National Service


Service Area

National Program

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