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

Office Locaters

To request additions or corrections to this entry email the Administrator