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FSA Guaranteed Farm Operating Loans

Open Date:


Close Date:


Eligible Recipients:

  • General Public
  • Private Sector

Program Purpose:


Reserved for Energy


Upcoming Milestones:

Upcoming Meetings & Events by state can be found here: https://www.fsa.usda.gov/news-room/meetings-events/index

Funded by:

U.S. Department of Agriculture


What does this program do?
Farm Service Agency (FSA) Guaranteed Farm Operating Loans may be used to purchase livestock, farm equipment, feed, seed, fuel, farm chemicals, insurance, and other operating expenses. Operating loans also may be used to pay for minor improvements to buildings, costs associated with land and water development, family living expenses, and to refinance debt under certain conditions.

Who may apply for this program?
To apply for an FSA Guarantee, a loan applicant must:

  • Be a citizen of the United States (or legal resident alien), which includes Puerto Rico, the U.S. Virgin Islands, Guam, American Samoa, and certain former Pacific Trust Territories.
  • Have an acceptable credit history as determined by the lender.
  • Have the legal capacity to incur responsibility for the loan obligation.
  • Be unable to obtain a loan without an FSA guarantee.
  • Not have caused FSA a financial loss by receiving debt forgiveness on more than 3 occasions on or prior to April 4, 1996, or any occasion after April 4, 1996, on either an FSA direct or guarantee loan.
  • Be the owner-operator or tenant-operator of a family farm after the loan is closed. For an Operating loan, the producer must be the operator of a family farm after the loan is closed. For a Farm Ownership loan, the producer also needs to own the farm.
  • Not be delinquent on any Federal debt.

Are there other requirements?
These loans may be structured as term loans or lines of credit depending upon the purpose and intended term of the loan.

What are the rates and terms?

  • FSA can guarantee Farm Operating loans up to $1,825,000; this amount is adjusted annually each Fiscal Year based on inflation.
  • The term is 1 to 7 years and the interest rate is negotiated between the lender and the applicant.
  • Operating Lines of Credit may be advanced for up to five years and all advances must be repaid within 7 years of the date of the loan guarantee.

Funding Details

Funding Source:
Funding Type:
Loan Guarantee
Total Amount Available:
Limit per Applicant:
Estimated Awards:

Applicant Guidance

Contact Information

Contact your Local FSA Service Center, at: https://farmers.gov/working-with-us/service-center-locator.

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