WHAT IS THE YBS PROGRAM?

American AgCredit’s YBS program provides alternate financing and guarantee options for farmers and ranchers who are just getting started, as well as small or part-time operations. If you don’t qualify under our normal lending requirements, this program may be an option for you.

WHO CAN USE THIS PROGRAM?

If you fit into one of the following guidelines, you may be eligible:

YOUNG: Age 35 or younger
BEGINNING: 10 years or fewer experience in farming/ranching
SMALL: Under $250,000 annual gross income from farming operations

The Program includes governmental guarantee programs such as Farmer Mac and other State and Federal guarantees.

SPECIAL CREDIT CONSIDERATIONS

We offer accommodations or credit enhancements to farmers and ranchers under our YBS program in order to address their specific credit needs. These include:

  • FSA or SBA loan guarantee
  • Coordinated lending with other lending agencies
  • Modified loan standards