Is the Young, Beginning, & Small (YBS) Loan Program Right for You?
Getting started in agriculture can feel overwhelming, but you do not have to have everything figured out before talking with a lender. Texas Farm Credit’s Young, Beginning, & Small Loan Program is designed to support ag producers who are starting out, building gradually, or operating on a smaller scale.
You may be a good fit if you are:
- Young: 35 years old or younger
- Beginning: Farming or ranching on 10 years or less
- Small: Operating on a smaller scale, grossing less than $350,000 in agricultural sales yearly
- Starting your first land purchase
- Looking for a lender who can grow with you over time
This program may also be a good option if you do not have perfect credit, generational land ownership, a large down payment, or years of borrowing history. Our team is here to help you understand your options, prepare for the lending process, and take the next step with confidence.
What Makes Our YBS Program Different?
At Texas Farm Credit, our Young, Beginning, & Small Loan Program is built around more than financing. It’s built around relationships, guidance, and long-term support for producers who are still building their operation.
We understand that every agricultural journey starts somewhere. That is why our YBS program may offer:
- Lower upfront equity options
- Credit options for borrowers with limited history
- A personal Relationship Manager who understands agriculture
- Guidance to help you prepare, plan, and understand the lending process
- A lending relationship that can grow with you over time
You do not need to come to us with everything already figured out. And you do not need:
- Perfect credit
- Generational land ownership
- A large down payment
- Years of borrowing history
Whether you are buying land for the first time, expanding a small operation, or taking early steps toward a long-term agricultural goal, our team is here to help you understand your options and move forward with confidence.
How It Works
We believe lending should be clear, personal, and supportive, especially when you are just starting out. With Texas Farm Credit, you will work with a local Relationship Manager who can help you understand your options, prepare for the application process, and build a financing relationship that supports your long-term goals.
What to Expect When You Work With Us
Learn what lenders look for.
We explain credit expectations, cash flow, documentation, and financing options in plain language so you know what to expect.
Prepare with guidance.
Our team helps you understand what information may be needed and how to get ready before you apply.
Have a real conversation.
You will work with a lender who understands agriculture and takes time to learn about your operation, your goals, and where you are headed.
Apply with support.
When you are ready, we will guide you through the application process and answer questions along the way.
Build a long-term relationship.
As your operation grows, your financing needs may grow too. We are here to support you through each stage of your agricultural journey.
Apply for a YBS Loan
When you’re ready, you can apply for a Young, Beginning, & Small Loan online.
