Loan
California FarmLink Farm Loans (Operating, Term, Conservation, Disaster & Land)
California FarmLink (nonprofit CDFI)
What you can get
$5,000 - $2.2 million depending on loan type • Nonprofit CDFI lender. Operating and term loans from $5,000 at 7.00% fixed (1% discount for graduates of FarmLink courses; limited to 3 loans, first $100K and first 5 years, not on land loans); Conservation loans up to $100,000 at 3.5% as bridge financing for EQIP, Healthy Soils, SWEEP, Carl Moyer or organic transition, and require an agreement to work with a Resource Conservation District; Disaster Relief loans up to $50,000 at 0-3.5% with no fees (limited funds available); Land and housing loans up to $2.2M at competitive index-tied rates. Closing fees 0.5-2%, no prepayment penalty. More than $80 million lent since 2012.
- Readiness
- Prep docs first
- Who can apply
- producer, Farmers, ranchers, and fishers in a current management role in a California based operation, with at least two years of farming/fishing experience earning income as an owner or employee, secure land tenure (written lease or ownership), and active sales channels; no minimum credit score.
- Coverage
- CA
- Deadline & timing
- Open and lending on a rolling basis as of August 2026. No deadline - three-step process (inquiry, application, decision) taking roughly 2-4 months from initial contact to closing.
- Eligibility
- Eligible applicants: producer, Farmers, ranchers, and fishers in a current management role in a California-based operation, with at least two years of farming/fishing experience earning income as an owner or employee, secure land tenure (written lease or ownership), and active sales channels; no minimum credit score..
Last verified Aug 18, 2026. Always confirm current terms and deadlines on the official site before applying.
Plan your next step
Run a quick soil assessment or ask an agronomist how this program fits your fields.