Farm Storage Facility Loans (FSFL) - The FSFL program offers low interest loans for construction of new grain, biomass, hay, or cold storage facilities. For more information, please read the FSFL Fact Sheet.
Marketing Assistance Loans (MAL) and Loan Deficiency Payment (LDP) Program- MAL is a low interest, short-term commodity loan that makes it possible for producers to store their grain while prices are typically lower and still have funds to maintain their operating expenses.
A producer who is eligible to obtain a loan, but who agrees to forgo the loan, may obtain an LDP. The LDP rate equals the amount by which the applicable loan rate where the commodity is stored exceeds the alternative loan repayment rate for the respective commodity. For more information, please read the MAL and LDP Fact Sheet.
Noninsured Crop Disaster Assistance Program (NAP) - NAP provides financial assistance to producers of noninsurable crops to protect against natural disasters that result in lower yields or crop losses, or prevents crop planting. For more information, please see the NAP Fact Sheet.
Margin Protection Program for Dairy (MPP-Dairy) – MPP-Dairy is a voluntary risk management program that offers protection to dairy producers when the difference between the all milk price and the average feed cost (the margin) falls below a certain dollar amount selected by the producer. For more information, please see our MPP-Dairy Fact Sheet.
Livestock Indemnity Payment Program (LIP) - LIP provides compensation to eligible livestock producers who have suffered livestock death losses in excess of normal mortality due to adverse weather and attacks by animals reintroduced into the wild by the federal government or protected by federal law. For more information, please see our LIP Fact Sheet.
Emergency Assistance for Livestock, Honeybees and Farm-Raised Fish Program (ELAP) - ELAP provides payments to eligible producers of livestock, honeybees, and farm-raised fish to help to compensate for losses due to disease (including cattle tick fever), adverse weather, or other conditions, such as blizzards and wildfires, as determined by the Secretary. For further information, please see our ELAP Fact Sheet.
Provides compensation to eligible livestock producers that have suffered grazing losses for covered livestock on land that is native or improved pastureland with permanent vegetative cover or is planted specifically for grazing. The grazing losses must be due to a qualifying drought condition during the normal grazing period for the county. LFP also provides compensation to eligible livestock producers that have suffered grazing losses on rangeland managed by a federal agency if the eligible livestock producer is prohibited by the federal agency from grazing the normal permitted livestock on the managed rangeland due to a qualifying fire. For more information, please see our LFP Fact Sheet.
Payment Limitation (PL) and Adjusted Gross Income (AGI) – PL and AGI is a means of determining eligibility for program participation. The total amount of payments received, directly and indirectly, by a person or legal entity is limited by the applicable program limitation. Most USDA programs administered by FSA require a producer to demonstrate control and risk in their operation. In addition, a producer must show financial independence to be separate and distinct from others. PL is a means to determine if the producer meets these requirements and ensures that the various program limitations are not exceeded by any one person or legal entity. For more information on PL, please refer to the PL Fact Sheet.
AGI provisions have been simplified and modified. Producers whose average AGI exceeds $900,000 are not eligible to receive payments or benefits from most programs administered by FSA and the Natural Resources Conservation Service (NRCS). For more information on AGI, please see the AGI Fact Sheet.
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About Farm Loans: USDA's Farm Service Agency (FSA) makes and guarantees loans and provides credit counseling and supervision to farmers and ranchers who are temporarily unable to obtain private, commercial credit. These may be beginning farmers who can't qualify for conventional loans because of insufficient net worth, or established farmers who have suffered financial setbacks from natural disasters. Loans may be used to purchase farm land, equipment, livestock or for annual operating expenses.
Direct Farm Operating Loans and Microloans - Eligible applicants may obtain direct loans for up to a maximum indebtedness of $300,000 and a direct operating Microloan for up to a maximum indebtedness of $50,000. Guaranteed farm loans are also available through FSA. Loan may be used to purchase farm land, equipment, livestock or for annual operating expenses.
Guaranteed farm loans are also available through FSA. Guaranteed loans are obtained from a commercial lender and can be for a maximum indebtedness of $1,392,000 and are made at the lenders rates and terms and the lender then applies to FSA for a guarantee. This encourages them to make loans they might not otherwise consider
Youth loans - FSA makes loans to individual youths to establish and operate income-producing projects of modest size in connection with their participation in 4-H clubs, FFA and similar organizations.
Everyone needs financial help sometime. Perhaps FSA can help you with loan programs and services to meet your farming needs and help you to qualify for commercial credit.
More information on Farm Loan Programs you can click on the links below for Fact Sheets:
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Emergency Conservation Program (ECP)
The Emergency Conservation Program (ECP) helps farmers and ranchers to repair damage to farmlands caused by natural disasters and to help put in place methods for water conservation during severe drought. The ECP does this by giving ranchers and farmers funding and assistance to repair the damaged farmland or to install methods for water conservation.
FSA also has a related program for emergency forest restoration.
Grassland Reserve Program (GRP)
The goal of the Grasslands Reserve Program (GRP) is to prevent grazing and pasture land from being converted into cropland, used for urban development, or developed for other non-grazing uses. Participants in the program voluntarily limit future development of their grazing and pasture land, while still being able to use the land for livestock grazing and activities related to forage and seed production. Participation in GRP may also entail restrictions on activities during the nesting season of certain bird species that are in decline or protected under Federal or state law.
Biomass Crop Assistance Program (BCAP) The Biomass Crop Assistance Program (BCAP) provides financial assistance to owners and operators of agricultural and non-industrial private forest land who wish to establish, produce, and deliver biomass feedstocks. BCAP provides two categories of assistance:
Matching payments may be available for the delivery of eligible material to qualified biomass conversion facilities by eligible material owners. Qualified biomass conversion facilities produce research, heat, power, biobased products, or advanced biofuels from bioMatching payments may be available for the delivery of eligible material to qualified biomass conversion facilities by eligible material owners. Qualified biomass conversion facilities produce research, heat, power, biobased products, or advanced biofuels from biomass feedstocks mass feedstocks.
Establishment and annual payments may be available to certain producers who enter into contracts with the Commodity Credit Corporation (CCC) to produce eligible biomass crops on contract acres within BCAP project areas
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