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The Farm Loan team in Vermont is already working on operating loans for spring 2025 and asks potential borrowers to submit their requests early so they can be timely processed. The farm loan team can help determine which loan programs are best for applicants.
FSA offers a wide range of low-interest loans that can meet the financial needs of any farm operation for just about any purpose. The traditional farm operating and farm ownership loans can help large and small farm operations take advantage of early purchasing discounts for spring inputs as well expenses throughout the year.
Microloans are a simplified loan program that will provide up to $50,000 for both Farm Ownership and Operating Microloans to eligible applicants. These loans, targeted for smaller and non-traditional operations, can be used for operating expenses, starting a new operation, purchasing equipment, and other needs associated with a farming operation. Loans to beginning farmers and members of underserved groups are a priority.
Other types of loans available include:
Marketing Assistance Loans allow producers to use eligible commodities as loan collateral and obtain a 9-month loan while the crop is in storage. These loans provide cash flow to the producer and allow them to market the crop when prices may be more advantageous.
Farm Storage Facility Loans can be used to build permanent structures used to store eligible commodities, for storage and handling trucks, or portable or permanent handling equipment. A variety of structures are eligible under this loan, including bunker silos, grain bins, hay storage structures, and refrigerated structures for vegetables and fruit. A producer may borrow up to $500,000 per loan.
Looking for ways to do business with USDA that saves you time? Look no further than farmers.gov.
When you create an account for the farmers.gov authenticated customer portal, you have access to self-service features through a secure login. Managing your business with USDA’s Farm Service Agency (FSA) and Natural Resources Conservation Service (NRCS) is faster than ever. From e-signing documents, viewing, printing, and exporting maps and receiving notifications of payment disbursements, a farmers.gov authenticated account makes doing business with USDA easy and secure.
What can you do with your farmers.gov account?
- View FSA Farm Loan information including interest payments, loan advances, payment history and paid-in-full/restructured loans.
- Make USDA direct farm loan payments using the Pay My Loan feature.
- Access the Online Loan Application portal.
- View, print and export detailed FSA farm records and farm/tract maps.
- Import precision agriculture planting boundaries, create labels containing crop information, and print both on farm tract maps.
- View and print your FSA-156EZ with farm details
- View and print your Producer Farm Data Report
- View NRCS Disbursements and Farm Loans financial activity from the past 180 days.
- View your land, access NRCS data on your conservation plans, contracts, and planning land units through the Conservation Land Area page.
- View, upload, download and e-sign NRCS documents.
- Request NRCS conservation and financial assistance, including submitting a program application.
- View detailed information on all previous and ongoing NRCS contracts, including the amount of cost- share assistance received and anticipated; and even request contract modifications, report practice completion and request practice certification.
- “Switch Profiles” to act on behalf of your entity or another individual when you have active representative authority on file
If you’d like to see the features in action and learn more about how to use them, check out the 3-5 minute farmers.gov account video tutorials.
How do you create a farmers.gov account?
Visit farmers.gov/account to access information about farmers.gov accounts and sign in to the site’s authenticated portal. You will need a Login.gov account linked to your USDA customer record to access your farmers.gov authenticated site. Customers who are new to USDA should visit Get Started at Your USDA Service Center, then go to farmers.gov/account to create a farmers.gov account.
To create a farmers.gov account you will need:
- A USDA individual customer record — A customer record contains information you have given to USDA to do business with them, like your name, address, phone number, and any legal representative authority relationships. Contact your local USDA Service Center to make sure you have an individual USDA customer record on file and your information is up to date.
- A Login.gov account — Login.gov is a sign-in service that gives people secure online access to participating government programs. You can create a Login.gov account linked to your customer record by following the directions on gov/account.
- Identity Verification — You can choose to verify your identity with Login.gov or in-person at a USDA Service Center.
In addition to the self-service features, farmers.gov also has information on USDA programs, farm loans, disaster assistance, conservation programs and crop insurance.
Agricultural producers of perishable commodities including fruits, vegetables and floriculture can now get funding for controlled atmosphere storage through Farm Storage Facility Loans (FSFL) offered by the U.S. Department of Agriculture’s (USDA) Farm Service Agency (FSA). Controlled atmosphere storage regulates the concentrations of oxygen, carbon dioxide and nitrogen in a storage room to increase the shelf life of crops.
In addition to now supporting controlled atmosphere storage, FSFLs also provide low-interest financing to help producers build or upgrade storage facilities and to purchase portable (new or used) structures, equipment and storage and handling trucks.
The low-interest funds can also be used for controlled atmosphere storage monitoring equipment, designed to notify facility owners immediately if potential atmospheric concerns are detected. Producers may renovate existing storage facilities to include controlled atmosphere storage monitoring equipment. Authorized loan terms for FSFL renovations are three and five years only.
To assist with monitoring gases and particle concentrations for controlled atmosphere storage, the following equipment, but not limited to, is eligible for an FSFL:
- Optical oxygen sensor.
- Low power CO2 sensor.
- Air quality sensor.
- Gas detection devices.
- Air temperature and relative humidity sensor.
- Water activity meter.
- Temperature stabilized water activity analyzer.
- Precision and performance humidity and temperature transmitter.
Loans of up to $50,000 can be secured by a promissory note/security agreement, loans between $50,000 and $100,000 may require additional security and loans exceeding $100,000 require additional security.
FSFL borrowers do not need to demonstrate lack of commercial credit availability to apply. The loans are designed to assist a diverse range of agricultural operations, including small and mid-sized businesses, new farmers and ranchers, operations supplying local food and farmers markets, non-traditional farm products and underserved producers.
For more information, see the FSFL fact sheet and contact FSA at your local USDA Service Center.
The U.S. Department of Agriculture (USDA) continues to improve crop insurance tailored for nursery producers. The Risk Management Agency’s (RMA) Nursery Value Select (NVS) program enables nursery producers to select the dollar amount of coverage that best fits their risk management needs.
Beginning with the 2026 crop year, NVS will offer a new Peak Endorsement Pilot, which allows producers to increase coverage during a designated peak period when the inventory value may be higher than the selected value. This Peak Endorsement Pilot is designed to provide producers with NVS the same coverage that the Nursery Peak Inventory Endorsement offered under the Nursery Field Grown and Container (FG&C) program.
NVS provides similar but improved coverage to the longstanding Nursery FG&C program. RMA administered the Nursery FG&C crop insurance program for nearly 30 years. However, the Nursery FG&C program relies on a partnership between RMA and a private contractor to update and maintain the Eligible Plant List and Plant Price Schedule (EPLPPS) and associated software packages. The private contractor permanently ceased operations shortly after providing all necessary contractual obligations for the 2025 crop year. Without access to the EPLPPS and associated software, the Nursery FG&C crop insurance program will no longer be available to nursery producers beginning with the 2026 crop year.
NVS will offer comparable but improved risk management options for those who currently have coverage with the Nursery FG&C program. Like Nursery FG&C, NVS also covers field grown and containerized nursery plants and offers coverage levels between catastrophic and 75%. Unlike Nursery FG&C, NVS has simplified reporting requirements, and an Occurrence Loss Option is available.
The sales closing date for the 2026 crop year is May 1, 2025, or Sept. 1, 2025, depending on location.
NVS was first available in the 2021 crop year, and producers insured more than $1 billion in liabilities in crop year 2025.
To learn more about NVS and any required transitions, visit the NVS website, watch a video, or read through our frequently asked questions.
Crop insurance is sold and delivered solely through private crop insurance agents. A list of crop insurance agents is available at all USDA Service Centers and online at the RMA Agent Locator. Producers can learn more about crop insurance and the modern farm safety net at rma.usda.gov or by contacting their RMA Regional Office.
The U.S. Department of Agriculture (USDA) reminds specialty crop producers that the application period for the Food Safety Certification for Specialty Crops (FSCSC) program for program year 2025 opened Jan. 1, 2025, and runs through Jan. 31, 2026. The program has been expanded to include medium-sized businesses in addition to small businesses. Eligible specialty crop growers can apply for assistance for expenses related to obtaining or renewing a food safety certification.
Program Details
FSCSC covers a percentage of the specialty crop operation’s cost of obtaining or renewing its on-farm food safety certification, as well as a portion of related expenses.
Eligible FSCSC applicants must be a specialty crop operation; meet the definition of a small or medium-size business and have paid eligible expenses related to certification.
- A small business has an average annual monetary value of specialty crops sold by the applicant during the three-year period preceding the program year of no more than $500,000.
- A medium size business has an average annual monetary value of specialty crops the applicant sold during the three-year period preceding the program year of at least $500,001 but no more than $1,000,000.
Specialty crop operations can receive the following cost assistance:
- Developing a food safety plan for first-time food safety certification.
- Maintaining or updating an existing food safety plan.
- Food safety certification.
- Certification upload fees.
- Microbiological testing for products, soil amendments and water.
- Training.
FSCSC payments are calculated separately for each eligible cost category. Details about payment rates and limitations are available at farmers.gov/food-safety.
Applying for Assistance
For program year 2025, the application period began Jan. 1, 2025, and runs through Jan. 31, 2026. FSA will issue 50% of the calculated payment for program year 2025 following application approval, with the remaining amount to be paid after the application deadline. If calculated payments exceed the amount of available funding, payments will be prorated.
Specialty crop producers can apply by completing the FSA-888-1, Food Safety Certification for Specialty Crops Program (FSCSC) for Program Years 2024 and 2025 application. The application, along with the AD-2047, Customer Data Worksheet and SF-3881, ACH Vendor/Miscellaneous Payment Enrollment Form, if not already on file with FSA, can be submitted to the FSA county office at any USDA Service Center nationwide by mail, fax, hand delivery or via electronic means. Producers with an eAuthentication account can apply for FSCSC online. Producers interested in creating an eAuthentication account should visit farmers.gov/sign-in.
Visit farmers.gov/food-safety for additional program details, eligibility information and application forms.
More Information
To learn more about FSA programs, producers can contact their local USDA Service Center.
In April 2024, the USDA Animal and Plant Health Inspection Service (APHIS) announced the final rule that amends and strengthens our animal disease traceability regulations for certain cattle and bison. This rule went into effect on Nov. 5, 2024.
Learn more about seven common myths and misunderstandings about the new regulations.
USDA’s Farm Service Agency (FSA) is accepting applications for Dairy Margin Coverage (DMC) for the 2025 coverage year from Jan. 29 to March 31. DMC is a voluntary risk management program that offers protection to dairy producers when the difference between the all-milk price and the average feed price (the margin) falls below a certain dollar amount selected by the producer. The American Relief Act, 2025 extended many Farm Bill-authorized programs for another year, including DMC.
DMC offers different levels of coverage, even an option that is free to producers, minus a $100 administrative fee. The administrative fee is waived for dairy producers who are considered limited resource, beginning, socially disadvantaged or a military veteran.
DMC payments are calculated using updated feed and premium hay costs, making the program more reflective of actual dairy producer expenses. These updated feed calculations use 100% premium alfalfa hay. For more information on DMC, visit the DMC webpage or contact your local County USDA Service Center.
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