USDA Farm Service Agency (FSA) Farm Loan Programs

Affordable Financing for Equipment, Livestock, and Land

The USDA Farm Service Agency (FSA) helps U.S. farmers and ranchers access affordable loans for equipment, livestock, feed, and other essential needs. These loans provide low-interest, flexible financing when commercial lenders can’t, helping you grow your operation and manage cash flow with confidence.

From livestock handling systems and feed equipment to zero-turn mowers used for property or facility maintenance, FSA loans help you keep your operation running efficiently, whether you manage crops, cattle, or both.

Who Qualifies

• Farmers and ranchers operating anywhere in the United States or its territories.

• Both new and established producers are eligible.

• Must demonstrate experience or training, a business plan, and the ability to repay.

• Beginning, minority, and veteran producers may qualify for additional benefits or targeted funding.

What It Covers

FSA loans can be used for nearly any operational or capital expense, including:

• Farm and ranch equipment purchases – tractors, zero-turn mowers, hay tools, and more.

• Livestock purchases and feed expenses.

• Facility construction or improvements – barns, corrals, fences, and sheds.

• Land or building acquisition for farm or ranch expansion.

• Operating expenses like seed, fertilizer, and fuel.

Loan Options & Types

• Direct Farm Operating Loan: Purchase equipment, livestock, or cover operating costs

  • Up to $400,000

• Guaranteed Farm Operating Loan: Bank-issued loans backed by USDA

  • Up to $2,236,000 (2025 limit)

• Farm Ownership Loan: Buy or expand land, buildings, or infrastructure

  • Up to $600,000

• Microloan: Streamlined loan for smaller operations or startups

  • Up to $50,000

Why It Matters

• Low-interest, flexible repayment terms.

• Available to farmers and ranchers nationwide.

• Can fund both everyday needs and long-term upgrades.

• Supports modernization, from livestock handling systems to mowing and maintenance equipment.

• Builds your credit history for future financing.

How to Apply

Applications are handled through your local FSA office, with offices available in every U.S. county and territory.

You’ll need:

• A business plan or operation summary.

• Credit and repayment information.

• Records of your farm or ranch activities and assets.

Locate your local office and apply.