AgStart Loans
The AgStart loan program is designed to equip 4-H and FFA members with the financial tools and knowledge needed for a successful future in agriculture. This program provides funding for junior market, breeding and commercial livestock projects, helping future agricultural leaders purchase, care for and manage livestock while gaining hands-on experience in financial responsibility. The program can also be used for general purpose funding for beginning cow/calf or stocker operations. Funds must be repaid following the sale of the animal(s), reinforcing the importance of budgeting and repayment. AgStart is more than just a loan — it’s a learning opportunity that builds financial awareness, responsibility and confidence, ensuring the next generation of farmers and ranchers are prepared for long-term success.
Key Benefits of AgStart Loans
Investing in Your Future
AgStart is part of Capital Farm Credit’s mission to support young people with the tools and resources they need to succeed in ag — today and tomorrow.
No Origination Fees
AgStart Loans don’t come with origination or loan processing fees, so you can put more of your money toward your project, not paperwork.
Lower Interest Rates
With a reduced interest rate, borrowing is more affordable, giving you a strong financial start on your first ag venture.
Repayment That Fits Your Project
Your repayment plan is based on your farm sales, making it easier to manage payments around the ups and downs of the season.
Grow with Confidence
These loans are designed to help you build responsibility, gain experience and take the first step toward a future in agriculture.
Who qualifies for an AgStart loan?
Applicants must be actively enrolled in a public, private or home school in Texas and current members of a 4-H club or FFA chapter in good standing to qualify for an AgStart loan. The project must be supervised by a County Extension Agent (CEA) or Agricultural Science Teacher (AST), with references provided in the Youth Loan Submission Form. Additionally, the project should generate enough income to cover loan repayment while offering valuable business and hands-on agricultural experience.
Requirements to Apply
- Youth applicants must complete a budget form, an AgFast application and a youth loan submission form. These forms are available at your local Capital Farm Credit office.
- If the applicant is a minor, the loan must be in the name of a parent or guardian.
- All applications must be reviewed and signed by an agricultural science teacher.
- A County Extension Agent (CEA) or Agricultural Science Teacher (AST) must agree to supervise the project and provide a reference to complete the application process.
What can AgStart loans be used for?
- Livestock, feed, seed, equipment and supplies
- Buy, rent or repair needed tools and equipment
- Pay operating expenses for the project
Ready To Get Started?
The first step is connecting with your local Capital Farm Credit office. Click below to find the location nearest you — our team is ready to help you get your project going.
Patronage Program
A partnership that pays.
At Capital Farm Credit, we believe in investing in the future of agriculture, which is why AgStart loan recipients benefit from our Patronage Program. As a cooperative, we return a portion of our earnings to our customers, effectively reducing the cost of borrowing. Over the years, we’ve distributed $2.9 billion in cash and allocated equities, helping young producers reinvest in their projects and build a strong financial foundation. Through patronage, AgStart participants not only gain valuable experience in managing finances and agricultural operations, but also enjoy direct financial rewards that support their success.
Learn MoreOur Commitment to Young Farmers & Ranchers
At Capital Farm Credit, we understand that young producers are the future of agriculture, and we are dedicated to helping them succeed. The AgStart loan program is part of our commitment to providing young ranchers with the resources, education and financial support they need to build a strong foundation in agriculture. By investing in the next generation, we are securing the future of farming and ranching for years to come.
Frequently Asked Questions
AgStart loans provide financing for purchasing, feeding and caring for livestock for junior market, breeding and commercial livestock projects in Texas 4-H and FFA competitions.
AgStart loans can be used to purchase a variety of market and breeding animals, including cattle, swine, sheep, goats and poultry for Texas youth livestock shows.
The maximum loan amount for junior livestock projects in Texas is $25,000 per individual or $50,000 per family, covering the cost of the animal, feed, supplies and other necessary expenses.
AgStart loans for junior livestock projects must be repaid after the sale of the animal, typically following a youth livestock show or auction.
Loan funds can also be used for feed, supplies, equipment and other expenses related to raising and preparing the animal for competition.
In most cases, the livestock being purchased serves as collateral for the loan. Additional collateral may be required based on loan size and borrower history.
If your animal does not sell at auction, you will still be responsible for repaying the loan. It’s important to plan ahead and explore additional marketing options for your project animal.
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