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

As a cooperative ag lender, we serve our member-owners.

Capital Farm Credit is the largest agricultural cooperative in Texas. We provide Young, Beginning and Small farmers and ranchers with lending and insurance products and services. Those who borrow from us become owners of our cooperative and are then eligible to share in our profits.

That’s right, we have paid our owners a percentage of our profits in past years through our Patronage program. These returns are uniquely beneficial, as they can effectively lower the cost of borrowing during times of high interest rates, high input costs and low commodity prices.

Since 2006, we’ve returned roughly 90% of our profits back to our members - that’s $2.9 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 ag 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, including:

    • The Down Payment Loan Program: DPLP helps when young farmers or ranchers need assistance with liquidity for real estate purchases intended for agricultural production by financing all or part of the down payment. The program is not eligible for production loans or equipment loans.

    • Credit Enhancements: Young, Beginning and Small farmers and ranchers benefit from enhancements, such as allowances for lower liquidity or net worth and higher debt-to-income ratios.

  • 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.

    Producers who qualify for the AgVista Loan Program can also take part in the Down Payment Loan Program if they need assistance with liquidity for real estate purchases intended for agricultural production by financing all or part of the down payment. (Production and equipment loans are not eligible for this program.)

  • 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.