Young, Beginning and Small Agriculture Loans

We believe helping a dream grow, no matter the size. 

Young, beginning, and small (YBS) farmers and ranchers are critical to the future of agriculture, and yet producers are faced with more and more barriers when they get started in the agriculture industry. That’s where we step in.

Supporting Texas’ Young, Beginning, and Small agricultural producers is an important part of our mission at Capital Farm Credit. Our YBS loan programs provide agricultural financing and financial resources to the next generation of farmers and ranchers. Additionally, Capital Farm Credit contributes $1M annually in support of YBS efforts across Texas in the form of scholarships, sponsorships, and educational offerings. At Capital Farm Credit, we strive to educate, advocate, and guide our YBS producers through the process of operating a successful ag operation. Because cultivating YBS producers into full-time farmers and ranchers helps ensure the future of Texas agriculture. 


Loans for young, beginning, and small producers are available.

Our lending programs were developed specifically to support new, beginning, or small producers with the loans, lines of credit and other financial services that are vital to helping you succeed. We also offer educational incentives and interest rate reductions to meet financing needs and support the development of important financial and business management skills.

We have several loan programs for YBS producers that tailor to individual needs. Let’s find the one that’s right for you.

Who qualifies as young, beginning or small?

A producer must meet a few simple criteria to get started with one of our YBS loan programs.

  • You are 35 years old or younger.
  • You are just beginning in the farming and/or ranching business, with less than ten years of experience. This includes next-generation producers who are taking ownership of an established family business.
  • Your ag business generates less than $250,000 in annual gross agricultural sales.


Ready to take the next step?

Contact your local Capital Farm Credit branch for more information or fill out the contact form to learn more.

Ranger Cattle - Austin, Texas

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