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Young, Beginning, Small Farmers

Young, Beginning, Small Farmers

FCS Financial is committed to the growth and success of agriculture and rural America. As part of that commitment, we offer special financing programs for young, beginning and small farmers. Depending on your qualifications, you may be eligible to borrow up to $500,000 under special lending and pricing criteria for things such as real estate, operating expenses, machinery and equipment purchases, capital improvements, and aquatic. Our lending specialists can fully explain all the benefits of this program.

FCS Financial Connect


FCS Financial Connect

is part of our commitment to young and beginning farmers because we understand that funding is just one piece of starting a successful operation. Connect combines four key areas into a two-year program to help FCS Financial’s young and beginning farmers realize their full potential.

Learn more about the Connect program from our staff in the video below.

Knowledge Sharing

Funding, business planning, technology and risk management are vital to any successful ag operation. Connect’s knowledge sharing component offers opportunities for FCS Financial’s customers to learn and grow through regional educational seminars and have free access to GrainBridge. Additionally, subsidized tuition to Farm Credit University and scholarships for approved conferences area available through an application process.

Credit Standards

The financial needs of young and beginning farmers are different than those of an established operation. FCS Financial works with young and beginning customers by reducing owner equity requirements, providing higher loan-to-security value positions, waiving initial loan fees and reimbursing FSA guarantee fees on the first loan, and adjusting capacity standards.

Cooperative Representation

As a cooperative, FCS Financial is owned by our customers. We value their opinions and meet with representatives each year. Connect has its own stockholder advisory meeting of young and beginning farmers to ensure we hear your needs and share those with leadership, directors and local offices.


FCS Financial believes communication is essential to a successful lending relationship so we offer multiple ways to stay in touch. Whether it is on-farm, in our office or online, FCS Financial is ready to see you. We also provide electronic newsletters to keep you current on industry news and a secure website to access your account information, transfer documents and more. Plus, you can follow us on twitter @fcsfinancial and YouTube.

Who is a Young, Beginning or Small Farmer?

If you meet one or more of these criteria, you may be eligible for an FCS Financial special lending program:

  • Young farmers are 35 years old or younger;
  • Beginning farmers have less than 10 years of farming, ranching, or aquatic experience;
  • Small farmers generate less than $250,000 in annual gross sales from agricultural production.

This program is available for new loans to existing qualifying customers or for new loans to new qualifying applicants.

Federal and state loan guarantee programs are available also as part of our special financing program. Plus, our insurance specialists can help you with your risk management needs.

For more information about this and other financing programs, contact your nearest FCS Financial office.

Contact us to learn more about financing options right for you
Call 1.855.507.2276 or Contact Us