Loan
Microloan Program
USDA Farm Service Agency
What you can get
Up to $50,000 for an Operating Microloan and up to $50,000 for an Ownership Microloan; combined maximum $100,000. • Operating loans cover eligible production and equipment costs; annual operating expenses are generally repaid within 12 months and other operating purposes within seven years. Ownership loans finance land, buildings and related improvements with terms up to 25 years. Separate ownership program:. Current interest rates are published by FSA.
- Readiness
- Prep docs first
- Who can apply
- producer
- Coverage
- Available nationwide
- Deadline & timing
- Rolling applications year-round.
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 3, 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.