NextGen Loans
At Capital Farm Credit, we recognize the vital role that young and beginning producers play in the future of agriculture. However, increasing barriers to entry have made it more challenging to sustain generational farming and ranching operations or establish new farms and ranches. That’s why we created the NextGen Loan Program, which is designed to provide flexible financing options and competitive rates to help beginning farmers and ranchers grow into commercially viable operations.
Key Benefits of NextGen Loans
Built for the Future of Ag
NextGen loans are tailored for beginning producers starting their careers in agriculture — whether you’re continuing a family legacy or launching a new path.
Aligned With Our Mission
Supporting the next generation of agricultural leaders is at the heart of the Farm Credit mission.
Down Payment Assistance
Our exclusive Down Payment Loan (DPL) helps NextGen and AgVista producers finance all or part of rural real estate purchases or improvements.
Flexible Credit Requirements
Designed with credit enhancements that accommodate lower liquidity, net worth, and debt coverage ratios — making it easier to qualify.
Financial Education Opportunities
Access training programs that build strong business and financial skills for lasting success.
Ongoing Support
From tools to resources, we’re here to help you grow and sustain your operation for the long haul.
Who qualifies for a NextGen loan?
NextGen loans are available to beginning farmers and ranchers who have been managing their own agricultural operation for 10 years or less and are actively working toward establishing a sustainable long-term business. Eligible applicants typically acquire or inherit an existing agricultural enterprise and have access to mentorship or industry knowledge to guide them toward success. Through this program, we’re committed to supporting the next generation of agricultural leaders with the financial tools they need to thrive.
NextGen loans can be used for:
- Farmland and ranchland purchases
- Property improvements
- Livestock and equipment purchases
- Operating capital
- 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.
At Capital Farm Credit, we know that every dollar counts, especially for beginning farmers and ranchers working to establish and grow their operations. That’s why we offer a Patronage Program, which returns a portion of our earnings to our customers more consistently than other cooperative financial institutions. Over the years, we’ve distributed $2.9 billion in combined cash and allocated equities, helping reduce borrowing costs and reinvest in the future of agriculture. As a cooperative, we succeed when you succeed, making our Patronage Program a valuable way to put money back into your farm, ranch or agribusiness.
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.
Frequently Asked Questions
NextGen loans are designed to help beginning farmers and ranchers purchase their first farm or ranch, whether you’re starting from scratch or expanding a family operation.
Yes, refinancing is available through our NextGen Loan program. This option can help you lower your interest rate, adjust your repayment terms or consolidate existing debt, providing greater financial flexibility as you grow your operation. Talk with your Capital Farm Credit lender to see if you qualify.
NextGen loans are primarily focused on agricultural operations, but certain funding may be available for agribusiness-related ventures that support your farm or ranch. Contact a loan specialist to discuss your specific needs.
While NextGen loans cannot be used directly for tuition or farm training programs, they can help finance land, equipment and infrastructure, allowing you to invest in your education while building your operation. Equity financing within the NextGen program is limited for ag production purposes and subject to Texas home equity lending laws. NextGen cash out loans for non-farm purposes are not offered.”
Yes! Part-time farmers who are actively working toward building a sustainable agricultural operation are eligible, even if they have additional off-farm income.
NextGen loans are available to individual farmers and ranchers, but farm partnerships or cooperatives may also qualify, depending on the structure of the business. Contact us to learn more about your options.
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Your resource for staying connected and inspired.
Risk Management Built for the Next Generation of Agriculture
As you build your future in farming or ranching, protecting your operation is just as important as growing it. Capital Farm Credit offers crop and livestock insurance options tailored to the needs of beginning producers — helping you manage risk, safeguard your investment and move forward with confidence.
