Poor Credit Problems

Regarding the specific types of funding available, most funding options do not require stellar credit. To put it in the USDA Farm Service Agency’s own words:

“Building a successful farm is a significant financial investment and can be especially challenging for beginning farmers who are not financially ready to access credit from commercial lenders… there is a special focus on the credit needs of farmers and ranchers who are in their first 10 years of operation.

... Providing loan programs is important as beginning farmers have historically experienced more difficulties obtaining financial assistance.”

As a vast majority of our nation’s farmers are nearing, and even entering, retirement age, the push to bring in new farmers to fill the resultant void is a primary focus of these programs. Unfortunately, not all of us have perfect or even near-perfect credit, and we simply need a leg up to help us achieve our dreams of being part of the next generation of farmers. These programs fit that bill. Learn more at or visit the