FSA Guaranteed Farm Loan Program
USDA FSA guarantees up to 95% of commercial loans up to $2.28 million for farmers and ranchers.
About this program
FSA Guaranteed Farm Loans help family farmers and ranchers obtain financing from USDA-approved commercial lenders when they cannot qualify for conventional credit. FSA guarantees up to 95% of the loan principal, reducing lender risk and improving access to capital for agricultural producers. Maximum loan amount: approximately $2.28 million (adjusted annually for inflation). Funds can be used for farm ownership purposes (land, buildings, improvements), operating expenses (livestock, seed, equipment, fuel, chemicals), or conservation. Loan terms negotiated between borrower and lender.
Eligibility
Family farmers and ranchers; meet citizenship requirements; unable to obtain conventional loan without FSA guarantee; have sufficient managerial ability and repayment capacity; not delinquent on federal debt.
Requirements
- Family farm operation
- Unable to obtain unguaranteed conventional loan
- Sufficient managerial ability