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This month, we're returning $32 MILLION to our customers in patronage dividends! That’s over $465 million returned since 2001. 

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Farm Loans

Farm Loans

Call us, we're the experts. Most lenders don't understand the cyclical nature of your business, but we do. We know what goes into building poultry houses, expanding dairy facilities and purchasing stocker cattle. Our loan officers specialize in financing all types of farming needs for full-time and part-time farmers. We are committed to helping you reach your goals and our flexible farm loans make that possible.

We make loans for: 
  • Farmland
  • Farm residences and buildings
  • Operating expenses, including seed, fertilizer, labor and more
  • Livestock purchases
  • Livestock facilities, including poultry houses, dairy barns and more
  • Farm improvements
  • Equipment, machinery and vehicles
  • Timberland and forest products
  • And more!

Loans for Young, Beginning and Small Farmers

Getting started in the agriculture industry can be tough. Securing credit when you're just starting out can be even harder. Let us help you with both. Farm Credit of the Virginias has several programs and resources to help young, beginning and small farmers get started and remain successful.

Who are young, beginning and small farmers?
  • A young farmer is 35 years of age or younger
  • A beginning farmer is in the process of establishing an agricultural operation and has not assumed the full control and risk of the agricultural operation for longer than 10 years
  • A small farmer normally generates less than $350,000 in annual gross cash farm income of agricultural 
What programs does Farm Credit of the Virginias offer young, beginning and small farmers?
  • The FarmLaunch Loan Program is a start-up loan program for young and beginning farmers. In addition to financing, program participants receive mentorship and educational resources.
  • The Youth Agricultural Loan Program offers financing for active youths between the ages of 9-18 to support their ability to establish and operate income-producing projects.
  • The Farm Credit Knowledge Center is the in-house educational arm of Farm Credit of the Virginias. The Knowledge Center offers events and resources to support young, beginning and small producers, in addition to the greater agricultural community.
  • To help manage credit risk, we recommend young, beginning and small farmers consider participation in the FSA Guaranteed Loan Program or other guarantee programs. Farm Credit is a Farm Service Agency (FSA) Preferred Lender which is the highest status a lender can obtain.

"Farm Credit understands the challenges that we face as farmers. We appreciate the help and support they’ve provided us in times of need."

Eli Cook, Spring Valley Farm & Orchard (Romney, WV)

"Farm Credit knows the field of agriculture, inside and out. They have been there for me countless times, and have always come through to get what we need accomplished."

Craig Bailey, Greenmount Heritage LLC (Harrisonburg, VA)

Ready to begin or upgrade your farming operation but not sure where to start? Give us a shout.