Beginning and Small Producer Loans
Our Beginning and Small Producer Loans are designed to help new and small-scale farmers and ranchers with flexible terms, competitive rates and personalized guidance. Whether you’re starting your first farm, taking over a family operation or navigating the unique challenges of small-scale agriculture, Capital Farm Credit is here to provide the financial tools and expertise you need to build a strong foundation for success.
We are also committed to supporting the diverse agricultural community that makes Texas thrive. We recognize the challenges faced by Black, Hispanic, women and other historically underserved farmers and ranchers. We are dedicated to providing accessible financing, educational resources and customized support to help their operations succeed.
NextGen Loan Program
NextGen loans provide financing for beginning producers with an agricultural background who assume their family farm’s legacy or have managed their agricultural operation for less than 10 years, offering flexible funding with no loan cap.
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AgVista Loan Program
AgVista loans provide financing for individuals new to the industry, underrepresented and nontraditional producers or smaller operations earning less than $350,000 in gross cash farm income per year.
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AgStart Loan Program
AgStart loans support 4-H and FFA members with low interest financing for their ag-related projects or operations.
Learn MoreBenefits of Our Beginning and Small Producer Loans
Commitment to the Future of Agriculture
Part of the Farm Credit System’s mission is to serve and support the next generation of farmers and ranchers.
Flexible Loan Options
Funding available for land, equipment, livestock and operational costs.
Educational Support
Programs include financial literacy, business planning and mentoring resources.
Access to Growth Opportunities
Helps new and small-scale farmers establish and expand their operations.
No Experience Required
Designed to assist those just starting in agriculture with limited industry background.
Competitive Rates and Terms
Affordable repayment plans that align with cash flow needs.
Down Payment Options
Down payment loan programs are available.
Support for Diverse Operations
Available for traditional farming, specialty crops and niche agricultural businesses.
Ready To Get Started?
Applying for a Capital Farm Credit loan is easy and secure. Start by filling out the form at the link below—we’ll use your information to match you with the right loan application for your needs.
Need help getting started? We’re here for you — just give us a call at 877-944-5500.
Apply Now
Member Stories
Hodges Livestock
The Hodges family has been ranching in Sterling County, Texas, since 1889, specializing in Royal White hair sheep known for their productivity and hardiness. Their mission focuses on stewardship and raising profitable livestock for consumers and fellow ranchers.
Member Stories
Lonestar Oyster Company
Lone Star Oyster Company, founded in 2022 by Blake and Stephanie Branson, is the sixth cultivated oyster mariculture facility in Texas and the only oyster farm in West Bay. Specializing in hand raising sustainable oysters, they produce approximately 400,000 oysters annually using floating cages in Galveston Bay.
Member Stories
Ranger Cattle
Founded by U.S. Army veteran Josh Eilers in 2011, Ranger Cattle specializes in pasture-raised, Fullblood Wagyu beef. Located in Austin, Texas, they emphasize high-quality, additive-free beef and engage in direct farm-to-table production, including seed stock services and community events.
Member Stories
Vingo Vineyards
Situated in Dalhart, Texas, Vingo Vineyards is a family-owned winery offering a variety of wines crafted from Texas-grown grapes. They provide a welcoming tasting room experience, allowing visitors to enjoy local wines in a relaxed setting.
Member Stories
Barnard Beef
Barnard Beef Cattle Company, a family-owned ranch in Coryell County, Texas, has been dedicated to ranching for more than a century. Under the leadership of Blayr Barnard since 2015, the company has expanded its operations to include a direct-to-consumer beef program, providing high-quality, locally raised meat to families across Texas.
Join the AgriRoots Community!
Stay up to date with the latest news and upcoming opportunities through AgriRoots and Capital Farm Credit.
Patronage Program
A partnership that pays.
At Capital Farm Credit, we’re committed to supporting the next generation of farmers and ranchers. Through our Patronage Program, beginning and small producers have the opportunity to earn cash back based on their loan contributions. Over the years, we’ve returned $2.9 billion in combined cash and allocated equities, helping reduce borrowing costs and reinvest in the success of agricultural operations — big and small. As you build your future in farming, we’re here to invest in you.
Learn MoreOur Commitment to Beginning and Small Farmers
At Capital Farm Credit, we believe the future of agriculture depends on the success of beginning and small producers. That’s why we’re dedicated to providing the resources, financing and support needed to help the next generation of farmers and ranchers thrive. From flexible loan options and educational programs to our Patronage Program that returns earnings to our members, we’re here to help you build a strong foundation for your agricultural operation. Whether you’re just starting out or looking to expand, our expertise and commitment to rural communities ensure you have the tools to succeed.
Texas Insight
Your resource for staying connected and inspired.
Insurance Solutions for Small and Beginning Producers
Starting out in agriculture comes with both opportunity and risk. Capital Farm Credit offers crop and livestock insurance options designed to help new and small-scale producers protect their investment, manage uncertainty and build a strong foundation for the future.
