AgVista Loans
The AgVista loan program is designed to support new farmers and ranchers, nontraditional ag businesses and historically underserved producers as they build profitable agricultural operations. AgVista provides flexible financing, mentorship and business education to help producers gain the experience and knowledge needed for long-term success. The program is especially beneficial for those with nontraditional ag backgrounds who are starting or expanding their agricultural businesses.
Key Benefits of AgVista Loans
Focused on Your Future
AgVista Loans are designed to support new, underrepresented, and small-scale producers who are ready to grow and lead in Texas agriculture.
No Origination Fees
Save on up-front costs with no loan origination or processing fees.
Down Payment Assistance
Our exclusive Down Payment Loan (DPL) helps finance all or part of land purchases or improvements — available only to AgVista and NextGen borrowers.
Leadership Incentives
Complete the Emerging Leaders Institute (ELI) within 12 months of loan closing and receive a 0.50% interest rate reduction.
Investing in Future Ag Leaders
The ELI program builds essential skills in leadership, strategy, and business planning — laying the groundwork for long-term success.
Who qualifies for an AgVista loan?
AgVista Loans are available to new and growing agricultural producers who have been independently managing a farm, ranch or agribusiness for 10 years or less. Eligible applicants typically operate ag-related businesses with less than $350,000 in gross cash farm income per year and are actively building a sustainable, growth-focused operation. A completed business plan is required as part of the application process. Borrowers are also encouraged to participate in a business planning educational course approved by Capital Farm Credit, with tuition assistance available for those who qualify. This program is designed to empower emerging producers with the financial resources and leadership development tools needed for long-term success.
What can an AgVista loan be used for?
- Farmland and ranchland purchases
- Operating capital
- Property improvements
- Livestock and equipment purchases
- Agribusiness development
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
Patronage Program
A partnership that pays.
As a cooperative, Capital Farm Credit is committed to helping beginning and small farmers not only secure financing, but also reduce their overall costs. Through our Patronage Program, a portion of our earnings is returned to customers, effectively lowering the cost of borrowing. Over the years, we’ve distributed $2.9 billion in cash and allocated equities, helping producers reinvest in their farms, ranches and agribusinesses. For those just starting out, every dollar counts, and our Patronage Program is one way we help new producers build a strong financial future in agriculture.
Learn MoreOur Commitment to Beginning and Small Farmers
At Capital Farm Credit, we believe that beginning and small farmers are the future of agriculture, and we’re dedicated to helping them succeed. Getting started in farming or ranching comes with unique challenges, from securing financing to building a sustainable operation. That’s why we offer educational resources and mentorship opportunities tailored to the needs of new and small-scale producers. Whether you’re purchasing your first piece of land, expanding your operation or investing in equipment, we’re here to provide the support and financial tools needed to help you grow and thrive.
Frequently Asked Questions
Yes! AgVista loans can be used to purchase farmland, ranchland or agricultural real estate, helping new producers establish or expand their operations.
Collateral requirements vary based on the loan type and amount. In many cases, land, equipment, livestock or other assets may be used as collateral, but we work with borrowers to find the best solution for their financial situation.
Equity financing within the AgVista program is limited for ag production purposes and subject to Texas home equity lending laws. AgVista cash out loans for non-farm purposes are not offered.
Yes! You do not need to own farmland to qualify for an AgVista loan. We provide financing for leasehold improvements, equipment and operating expenses to support producers who lease land.
Yes, AgVista loans can be used to support value-added operations, such as on-farm processing, agritourism, farm-to-table businesses and other enterprises that expand revenue opportunities for producers.
Absolutely! AgVista loans can help finance solar panels, irrigation efficiency upgrades and other renewable energy solutions to increase sustainability and reduce operating costs.
Texas Insight
Your resource for staying connected and inspired.
Safeguard Your Operation — Tailored Risk Management for Beginning and Small Farmers
Getting started in agriculture comes with both challenges and opportunity. Capital Farm Credit offers crop and livestock insurance solutions designed specifically for new and small-scale producers, helping protect your operation from unexpected setbacks while you focus on building a strong, sustainable future.
