A USDA Farm Service Agency (FSA) loan provides farmers and ranchers, whether beginning producers, established operators, or members of targeted groups such as women, minorities, and veterans with affordable financing to support agricultural growth. These loans are designed to make capital more accessible by helping producers start or expand their operations while strengthening rural communities.
USDA FSA loans are available to a variety of rural-based entities, including:
Beginning farmers
Established farmers and ranchers
Targeted groups (minorities, women, veterans)
USDA FSA loan funds can be used for a wide range of purposes, including:
Purchase farmland or livestock
Buy farm equipment and supplies
Construct or repair farm buildings
Refinance existing farm debt
Loan Amounts: Vary by need with max $2.251MM.
Repayment Terms:
Up to 40 years for farmland
7 years for equipment
Interest Rates: Competitive fixed or variable rates
Guarantee Fee: Typically 1.5% of the guaranteed portion (may be financed)
With extensive experience in agricultural lending, Phoenix understands the unique needs of farmers and ranchers seeking USDA FSA financing. We provide clear guidance to help you meet all program requirements, streamlining the process to make applications faster and smoother.
If you need capital sooner, we also offer bridge lending to keep your plans moving forward while your USDA loan is finalized. Our approach blends deep program expertise with personal attention, so you never feel like just another file on a desk.
From the first conversation to the final closing, we guide you through each step with clear communication, practical solutions, and a focus on getting your project funded as quickly and efficiently as possible.