Small Farmer Loans | Northwest Florida | Florida Panhandle | Farm Credit of Northwest Florida

Young, Beginning, Small and Minority Farmers

Who says you can't start farming now?

If you’re dreaming of a future in farming, Farm Credit can help make it a reality. We know how to help young, beginning, small and minority (YBSM) farmers build their future.

Farm Credit has what it takes to move your farming ideas from the field of dreams to reality. Whether it’s peanuts, cotton or soybeans, ornamentals or cattle, no one understands the challenges and dreams of America’s future farmers better than Farm Credit.

Farm Credit has loans and financial services to offer entrepreneurs just like you. We have flexible loan terms and work closely with government agencies and other organizations to tailor loans to fit the needs of YBSM farmers.

We also support programs, educational activities and special events that benefit YBSM farmers and offer insight into the exhilarating world of an agricultural startup with big plans for the future. In fact, Farm Credit has a Youth Agricultural Loan Program to help active 4-H and FFA members get a running start in agriculture.

Farm Credit has provided the seed money for many YBSM operations. For many farmers, ranchers, and growers, Farm Credit is the lender of choice from startup through growth and into maturity of the business. Our loan officers understand agriculture and the challenges involved in a new farming operation, transferring an existing operation, or expanding into new commodities or markets.

We also have a host of educational tools to help those farmers just starting out.

Find out more

Interested in hearing more about our programs? Contact us or drop by one of our locations to discuss how we can help.

Do you qualify as a YBSM Farmer?

You may qualify if you are:

  • Young: 35 years of age or younger on the date of loan closing
  • Beginning: 10 years or less of agricultural experience
  • Small: Generate less than $250,000 in annual gross agricultural or aquatic sales
  • Minority: American Indian or Alaskan Native, Asian, Black or African American, Native Hawaiian or other Pacific Islander, a person whose ethnicity is Hispanic or Latino, regardless of race, and women. Minority borrowers must own at least 51 percent of the operation.

Attention Veterans and those actively serving in the U.S. Military.

Homegrown by Heroes is a product labeling certification now available through the Farmer Veteran Coalition and proudly sponsored by Farm Credit.

Learn more.