Big operations were once small, and experienced owners were once green.

We all have to start somewhere. And there’s no better time or place than right now in Texas. Because Texas farming is strong, and Capital Farm Credit wants to continue to build upon this strength and legacy with you. Because it’ll take people like you with the vision, ambition and care to see it through. Just fill out a short form and we will call you to start a conversation.

Get Started

Serving Texas farmers and ranchers since 1916.

So, who are we? We’re the largest agricultural cooperative in Texas. We’re an organization that’s built on service and only does business in Texas, with Texas farmers and ranchers.

Our team of Trusted Advisors uses their extensive industry and market knowledge to guide our members. We provide loan products and insurance products that help them achieve their goals season after season.

And if that wasn’t enough, we’re also one of the only lenders that returns money to our members. Since 2006, we’ve returned roughly 95% of our profits back to our members, to the tune of $2.5 billion in combined cash and allocated equities.

Young, Beginning and Small Farmers & Ranchers

Producers like you are hungry to achieve. And so are we.

You are considered a Young, Beginning or Small producer if you fall into one of these three categories:

  • Young:

    You’re 35 years old or younger.

  • Beginning:

    You’re starting out as a farmer or rancher with less than ten years of experience. This includes next-generation producers who are taking ownership of an established family business.

  • Small:

    Your operation generates less than $250K in annual gross sales.

We understand that these classifications don’t define you, but they do allow you to take advantage of our loan programs which were designed for producers like you.

Young farmer driving a tractor

Loan Programs

Helping you succeed is why we’re in business.

It’s always invigorating to meet with young, beginning and small producers. Because we get to meet and do business with the next generation of industry leaders. But for now, here are some of the loan programs available to producers like you:

  • NextGen Loan Program

    Designed to allow flexibility in loan products and interest rates for the next generation of producers to grow a viable operation.

  • AgVista Loan Program

    Specifically offers loans to new producers with a need for mentorship, experience and knowledge to successfully operate a profitable agricultural operation. It also serves historically underserved agricultural producers like women, minorities and veterans.

  • AgStart Loan Program

    This loan is available to 4-H and FFA members involved in junior market, breeding and commercial livestock projects.

Teenage girl outdoors with a show cow

Next Steps

When you’re ready, we’re here for you.

Our knowledge and experience in agricultural lending and rural communities is unmatched in Texas. As a leader in the industry, we understand the challenges you face as a young, beginning or small producer. So we get the answers and capital you need quickly. That way, your operation can continue to run without a hitch.