Beginning Farm Loans

Achieve Your Farming Dreams

smart startAre you a young, beginning or small farmer searching for additional capital to establish your business? Do you want to boost your financial management literacy? We understand your unique needs. Special programs can help you gain reduced interest rate loans when you participate in educational programs.

Loan Programs

SmartStart Program 

For new loan larger than $50,000, apply to our traditional SmartStart program. Earn educational credits for completing our AgBiz Masters business management program or other outside industry trainings. You can convert those educational credits into a reduced interest rate loan. For complete program details, download our SmartStart flyer.

You do not need to be a current AgChoice borrower to enroll in the program. Registration is free. Additional SmartStart benefits may include reduced fees associated with AgChoice business management services, appraisal fees and FSA or other guaranteed loan fees. Start working on your business by developing a plan with our business plan template.

Register for SmartStart

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Apply for SmartStart Credits

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SmartStart EXPRESS 

Eligible full-and part-time farmers applying for new start-up loans of $50,000 or less can receive special pricing after completing a brief application. Participate in AgBiz Basics, a four module introductory educational program, to help launch your business. For complete program details, download our SmartStart flyer.

Apply for a SmartStart EXPRESS loan

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Educational Programs

AgBiz Masters 

AgBiz Masters, a two-year learning series for young and beginning farmers teaching business and financial management skills. Each year of AgBiz Masters completion earns a participant eight SmartStart credits.

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Ag Biz Basics  

Ag Biz Basics is a fast-paced online program to position your agricultural business for success.This hands-on program allows you to establish written goals and prepare your financial business documentation. Complete content in two hours with additional times on workbook applications including goal setting and financial statements. 

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Educational Reimbursement Program

You can defray costs associated with AgBiz Masters or other industry educational programs up to $250. We'll review applications on a first-come, first-served basis each year.

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Five Tips for Young and Beginning Farmers

Whether you’re a first generation dairyman, farming in the evening after your day job, or working in the industry – here are five steps to kick start your business.

Read the tips

Get Started

Ready to get the support you need? Reach out to the AgChoice team today.