Minority and Women Farmers and Ranchers Loan Program
Applications accepted on an ongoing basis
USDA Farm Service Agency (FSA)
Offers loans to historically underserved farmers and ranchers to finance farming and ranching operations, purchase land, build or improve facilities, and help cover family living expenses. Loans are made through one of five USDA Farm Service Agency (FSA) loan programs. A portion of all funds from each program are set aside to specifically target farmers and ranchers from minority and underserved groups and assist them in starting and sustaining successful farms and ranches.
Eligible USDA FSA loan programs include:
- Farm Operating Loans to finance the cost of operations essential to the success of a farm or ranch
- Farm Ownership Loans to purchase a new farm or ranch; expand an existing farm or ranch; or build, purchase, or improve farm dwellings, service buildings, or other facilities
- Guaranteed Farm Loans that help farmers obtain commercial loans at reasonable terms from USDA-approved private lenders
- Microloan Programs that provide financing for non-traditional farm operations, including truck farms, hydroponic, aquaponic, vertical, and organic producers, as well as direct marketing and sales through farmer's markets, community-supported agriculture, restaurants, and grocery stores
- Youth Loans to young people participating in 4-H clubs, FFA, tribal youth groups, or similar organizations to start and operate modest-sized, income-producing agricultural projects
Amount of Funding
Loan amounts, interest rates, and terms vary based on the USDA FSA program through which an applicant is seeking a loan. Specific information regarding loan amounts, rates, and terms can be found on the appropriate webpage for each loan program on the USDA FSA website.
Who Can Apply
Eligible minority and underserved farmers and ranchers include:
- African Americans
- Alaskan Natives
- American Indians
- Native Hawaiians
- Pacific Islanders
In addition, applicants must also meet the eligibility criteria for the specific USDA FSA program through which they are seeking a loan.
What This Program Funds
Buildings and Facilities • Capacity Building • Equipment • Operating Costs and Staffing • Starting a Business
Application instructions, requirements, and other information can be found on the corresponding webpage for each eligible USDA FSA program that offers targeted loan funding for women and minorities.
Applicants must voluntarily provide race, ethnicity, and gender information on the loan application in order to be considered for a loan under this program.
For program questions:
Contact the appropriate USDA Farm Service Agency state office.
Topics This Program Addresses
American Indians, Alaska Natives, and Native Hawaiians • Economic Development • Women