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December 8, 2022 By rob52 Leave a Comment

Funding for Small Farmers

At some point, depending on size and scope of your farming operation, you”re going to need a way to finance it.  Some folks have the ability to start they’re farm or homestead with small amounts of money they have from savings.  Others are able to use family resources. Some simply grow slowing financing purchasing from money earned from current jobs.  Yet, other are going to require outside financing.

Local Bank

Your local bank, or the one you currently hold accounts with, is a great place to start.  You already have a relationship with them and they know you.  A downside to using smaller local banks is they may not work with farmers and farm lending. Often times you will need a minimum amount of current equity or cash upfront available.

National Banks

These banks have the resources to finance very large operations.  However, just because they have the resources doesn’t mean they will work with you.  A lot of times they wont work with smaller operations, or only finance larger scale projects.  Most will still require a minimum equity requirement ofr personal upfront cash outlay.

PNC

AgAmerica Lending

Wells Fargo

Farm Credit System

Farm credit is just as it says, a farm lender.  Farm Credit banks were formed for the explicit reason of specialize in financing farm and rural projects.  As like other banks they most often will require equity or upfront cash.  They however have recently begun to institute programs for more smaller, part-time, and young and beginning farmer loan packages.

USDA Farm Service Agency

Farm Service Agency is usually where a lot of newer, or young and beginning farmer turn to for funding.  While it doesn’t mean you wont have to have upfront equity or money of your own, FSA does offer loan packages for indiviuals with less available capital to work with. Loans are available for Beginning Farmers, Women and minorities, youth loans, farm operating and ownership loans. They also off Guarantee loans, loans that are made by commercial banks but are guaranteed by FSA should you default on your loan payments.

Beginning Farmer and Rancher Loans

Women and Minority

Youth Loans

Farm Ownership Loans

Farm Opportunity Loans

Micro Loans

 

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Moving From the City to the Country

Starting an Egg Business

Marketing for Small Farms

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