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Agriculture Loan Types - Farm Loan Types

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Agriculture Loan Types

Agricultural Management Assistance (AMA) Program

Agricultural Management Assistance (AMA) Program is a voluntary program that provides financial assistance and technical assistance to agricultural producers on private lands to construct or improve water management structures or irrigation structures; to plant trees for windbreaks or to improve water quality; and to mitigate risk through production diversification or resource conservation practices, including soil erosion control, integrated pest management, or transition to organic farming.

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Commodity Marketing Assistance Loans and Loan Deficiency Payments

This program provides loans to assist farmers in marketing their commodity crops and, as a result, improve and stabilize farm income.

In order to qualify for this benefit program, you must be or have been a rancher whose professional experiences include(d) agricultural production or farming.

Interest rate and maximum loan amount vary. The maximum loan length is 10 months, with no prepayment penalties and a payment frequency of once.

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Farm Operating Loans (Direct and Guaranteed)

The Farm Service Agency (FSA) offers farm operating loans to farmers who are temporarily unable to obtain private, commercial credit. Operating loans may be used to purchase items needed for a successful farm operation. These items include livestock, farm equipment, feed, seed, fuel, farm chemicals, repairs, insurance, and other operating expenses.

Both guaranteed loans and direct loans are available through this program. Eligibility for each type of loan depends on applicant qualifications. Under the guaranteed loan program, conventional lenders (banks, Farm Credit System institutions, and other lenders) make the loan, and FSA guarantees it for up to 95 percent of the loss of principal and interest. The maximum FSA guaranteed operating loan is $1,119,000.

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Farm Ownership Loans (Direct and Guaranteed)

The Farm Service Agency (FSA) makes farm ownership (FO) loans to farmers and ranchers who temporarily cannot obtain a loan from a bank, Farm Credit System institution, or other lender due to disaster and financial hardship. FSA also makes loans to beginning farmers. FO loans can be used to purchase a farm or ranch; construct buildings or make other real estate improvements; promote soil and water conservation; and pay loan closing costs. Both "guaranteed" and "direct" loans are available though this program.

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Farm Storage Facility Loans

Farm Storage Facility Loans (FSFL) are provided to encourage the construction of on-farm storage and handling facilities for eligible commodities.

Eligible commodities include: corn, grain sorghum, oats, wheat, barley, rice, soybeans, peanuts, minor oilseeds.

Eligible commodities also include: lentils, chickpeas, dry peas, hay, renewable biomass and cold storage facilities for fruits and vegetables.

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Fisheries Finance Program

The Fisheries Finance Program (FFP) is a direct government loan program that receives an annual loan authority from Congress to provide long-term loans to the aquaculture, mariculture, and commercial fisheries industries.

The program will finance up to 80 percent of the cost of an eligible project. Eligible projects consist of Aquaculture and Mariculture facilities and Fisheries Shoreside Facilities. The FFP can provide both financing and refinancing of existing debt for these projects.

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Rural Housing: Farm Labor Housing Loans and Grants

The Farm Labor Housing Loan and Grant program provides capital financing for the development of housing for domestic farm laborers. Farm Labor Housing loans and grants are provided to buy, build, improve, or repair housing for farm laborers, including persons whose income is earned in aquaculture (fish and oyster farms) and those engaged in on-farm processing. Funds can be used to purchase a site or a leasehold interest in a site; to construct housing, day care facilities, or community rooms; to pay fees to purchase durable household furnishings; and to pay construction loan interest.

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