Options Help More Beginning, Small and Urban Producers Gain Access to Credit

 Producers can apply for a streamlined version of USDA guaranteed loans, which are tailored for smaller scale farms and urban producers EZ Guarantee Loans use a simplified application process to help beginning, small, underserved, and family farmers and ranchers apply for loans of up to $100,000 from USDA-approved lenders to purchase farmland or finance agricultural operations.

A new category of lenders will join traditional lenders, such as banks and credit unions, in offering USDA EZ Guarantee Loans. Microlenders, which include Community Development Financial Institutions and Rural Rehabilitation Corporations, will be able to offer their customers up to $50,000 of EZ Guaranteed Loans, helping to reach urban areas and underserved producers. Banks, credit unions and other traditional USDA-approved lenders, can offer customers up to $100,000 to help with agricultural operation costs.

EZ Guarantee Loans offer low interest rates and terms up to seven years for financing operating expenses and 40 years for financing the purchase of farm real estate. USDA-approved lenders can issue these loans with the Farm Service Agency (FSA) guaranteeing the loan up to 95 percent.

For more information about the available types of FSA farm loans, contact your Marshall/Bedford/Moore County USDA Service Center at 931-359-6268 or visit fsa.usda.gov/farmloans.

Carrie-Ann Houdeshell is a Grazing Land Co-Lead for the  Conservation Effects Assessment Project (CEAP), an effort led by USDA’s Natural Resources Conservation Service (NRCS) to evaluate and inform voluntary conservation across the nation’s working lands. In this Ask the Expert, Carrie-Ann answers questions about recent findings on three key grazing land conservation practices, new resources to assist data-driven conservation decision making across the nation’s non-federal grazing land and federal rangeland, and NRCS programs and services to support ranchers and other land managers in pursuing voluntary conservation. 

Let’s start with the basics: When we talk about “grazing land,” what is included?  

Grazing land is a collective term that includes rangeland, pastureland, grazed forests, native and naturalized pasture, hayland, and grazed cropland. All 50 states have grazing land, and the national grazing land footprint is incredible – approximately 40 percent of all land across the United States. That includes more than 580 million acres of private land and more than 390 million acres of land managed by federal agencies.  

Ranchers and other land managers use grazing land to feed and raise livestock, providing food and fiber for the United States and beyond. Through their stewardship, grazing land also delivers a suite of ecosystem services – like water conservation, wildlife habitat, and carbon sequestration – that benefit us all.   

Read more about grazing lands.