Farm Operating Loans

Deadline Information:

Farm Operating Loans, administered by the Farm Service Agency (FSA), offer vital financial support to farmers and ranchers for various operational needs. These loans are designed to assist with the purchase of essential items such as livestock, equipment, feed, seed, and supplies. Additionally, they can be used to cover costs related to minor improvements, family living expenses, and refinancing certain debts. The goal of Farm Operating Loans is to ensure the ongoing productivity and financial stability of agricultural operations, thereby supporting the broader agricultural economy.

Additional Benefits:

How to Enroll: To apply for Farm Operating Loans, producers must complete and submit a loan application to their local FSA office. The application process includes providing detailed financial and production information, as well as a comprehensive farm business plan. Detailed enrollment instructions and deadlines are available through the local FSA office or the official USDA website.

Eligibility: Eligible applicants include family farmers and ranchers who are U.S. citizens, non-citizen nationals, or qualified aliens. Applicants must demonstrate a satisfactory credit history, the ability to repay the loan, and the inability to obtain credit elsewhere at reasonable rates and terms.

Maximum $ Amount:  

Direct Operating Loans: Up to $400,000

Guaranteed Operating Loans: Up to $2,236,000 (amount adjusted annually based on inflation)


Official Program Page

Farm Loans Overview Fact Sheet

FSA Loan Assistance Tool Loan Information