YBS Loan Programs

Young, Beginning, and Small agricultural loans. 

Supporting Texas’ Young, Beginning, and Small agricultural producers is an important part of our mission at Capital Farm Credit.  Our YBS programs provide agricultural financing and financial resources to the next generation of farmers and ranchers. At CFC, our goal is to educate, advocate and guide our YBS producers through the process of operating a successful ag operation. Cultivating YBS producers into full-time farmers and ranchers helps ensure the future of Texas agriculture.  

Who qualifies for YBS loan programs?

Young : Age 35 or younger.

Beginning: Has 10 years or less of farming and/or ranching experience.

Small: Generates less than $250,000 in annual gross agricultural sales.


Capital Farm Credit YBS Programs:

Ag Start Loan Program

The Ag Start Loan Program provides youth in agriculture the tools and resources needed to prepare for a successful career in the agricultural industry. This program is available to 4-H and FFA members involved in commercial livestock projects. Funds can be used to purchase and care for a livestock project and must be repaid following the sale of the animal(s). 

Loans originated under the Ag Start Loan Program are structured to achieve different results than normal projected loans. Loans in this program carry a lower interest rate and less fees than a production loan. 

Benefits of the Ag Start Loan Program:

  • Introduces young individuals to Farm Credit
  • Provides educational and financial awareness
  • Establishes key relationships for future success 

For more information, contact your nearest Capital Farm Credit office.


Next Generation Loan Program

The Next Generation Loan Program originated in 2013, specifically designed for farmers and/or ranchers who have managed their own agricultural operation for five years or less. This program supports beginning farmers and ranchers in the process of building their operations. The approval process for this program is more flexible than an established production loan. The Next Generation Loan Program provides capital to beginning agricultural producers who want to grow into a commercially viable operation. 

To find out if you qualify, contact a member of our lending staff at your nearest office location.


Ag Vista Loan Program

The Ag Vista Loan Program is being created to assist new, non-traditional, and under-represented producers in growing their agricultural operations. This program offers valuable benefits, including lender-led educational opportunities.

For more information on this new program, contact a member of our lending staff. 


Other ways we support YBS producers

Our passion for the next generation of ag producers goes beyond lending. We support ag education by awarding scholarships, sponsoring leadership programs and hosting educational events for young people in agriculture. We support causes that positively impact and sustain local communities through donations and volunteering.

For more information on next generation programs visit our community support page.

Ranger Cattle - Austin, Texas

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