American AgCredit finances all segments of agriculture. We offer targeted loan programs and other specialized financing options to support the next generation of agriculture.
Created to serve the credit needs of young, beginning, and small (YBS) producers, our YBS program provides alternate financing and guarantee options for farmers and ranchers who may not qualify under our normal lending requirements.
The program also includes governmental guarantee programs such as Farmer Mac and Farm Service Agency (FSA) loan guarantees.
Producers who have one or more of the following characteristics may qualify for this program:
YOUNG: Age 35 or younger
BEGINNING: 10 years or fewer experience in farming/ranching
SMALL: Under $350,000 annual gross income from farming operations
In addition to our Young, Beginning and Small loan program, we offer a variety of programs that support unique and niche farming operations. We also invest in the future of agriculture through programs that help develop the next generation of agricultural leaders, beyond our core role as a farm lender.
Closely related to the YBS program, we have targeted lending solutions for producers who sell their products through a shortened supply chain. Farm-to-table and direct to consumer producers, Community Supported Agriculture (CSA), and other local food farmers all may be eligible for loans from American AgCredit.
Typical characteristics of eligible operations are as follows:
Producers must be identified as a bona fide farmer or rancher, a processing or marketing operation “directly related” to the operations of a bona fide farmer (provided some portion of throughput is provided by the farmer), or a business furnishing farm-related services.
Loan amounts are typically limited to $1 million.
If you have questions about your particular needs, an American AgCredit representative can help.
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American AgCredit’s AgYouth Program is part of the Association’s commitment to Young, Beginning and Small Farmers, targeting school-aged students who have exhibited an interest in agriculture by joining 4-H Clubs and Future Farmers of America (FFA) Chapters.
