Loan guarantee
Guaranteed Farm Loans
USDA Farm Service Agency
What you can get
The current official page lists $2,343,000 for standard operating, ownership and conservation guarantees; limit adjusts annually each fiscal year. • A commercial lender advances the loan, with an FSA guarantee of up to 95%; rates and repayment terms are negotiated within FSA limits.
- Readiness
- Local office first
- Who can apply
- producer, Eligible family farm owner operators or tenant operators who need an FSA guarantee to obtain a loan; Conservation Loan applicants have exceptions to the family farm and credit elsewhere tests
- Coverage
- Available nationwide
- Deadline & timing
- Apply through an approved commercial lender in coordination with the local FSA office; no annual closing date is listed. Loan limits adjust each fiscal year, so confirm the applicable limit with the lender.
- Eligibility
- Applicants must meet FSA citizenship/residency, credit, legal capacity and federal-debt requirements. Operating/ownership guarantees generally require a family farm and inability to obtain the loan without FSA support. Conservation Loan applicants are exempt from those two requirements; other rules still apply.
Optional expert service · $249
Turn program research into an application package.
An eligibility screen for one farm, a shortlist of up to three relevant programs, and draft practice justifications and a document checklist for one selected application. Delivered within 7 business days after intake.
Last verified Oct 1, 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.