We offer flexible financing and local support for beginning farm and ranch operations across the Texas Panhandle.
Young, Beginning, and Small (YBS) loans are specially tailored to help grow the next generation of agricultural producers. Whether you’re planting your first crop, expanding a modest operation, or continuing the legacy of a family farm, these programs are built to meet you where you are. YBS loans offer flexible financing options, guidance, and support designed to make it easier to establish yourself in agriculture and build a strong, sustainable future on the land.
Getting started in agriculture isn’t easy-especially when you’re building credit, gaining experience, and investing in your future all at once. Our Young Farmers & Ranchers Loans are designed to help producers get the financing and support they need to grow strong roots in the industry.
Must be 35 years old or younger
Actively involved in farming, ranching, or aquatic production may qualify for joint financing or down payment assistance through USDA/FSA.
Ready to Get Started?
Getting established in agriculture takes hard work, time, support, and the right financial tools. Our Beginning Farmers & Ranchers Loans are built for producers in their early years of operation, offering flexibility and guidance as you lay the foundation for long-term success.
Must have 10 years or less of experience
Actively involved in farming, ranching, or aquatic production may qualify for joint financing or down payment assistance through USDA/FSA.
Ready to Get Started?
Running a small farm or ranch takes determination, creativity, and financing that’s right-sized for your goals. Our Small Farmers & Ranchers Loans are built to support operations with more modest production levels—producers who may be smaller in scale but make a big impact on their communities and local agriculture economy.
Annual gross ag income of $350,000 or less
Actively involved in farming, ranching, or aquatic production may qualify for joint financing or down payment assistance through USDA/FSA.
Ready to Get Started?
Represented by stockholders like you, our YBS External Advisory Committee helps guide our support with their first-hand experience and heart for the future of agriculture.
Randall, Parmer, & Deaf Smith
Carson
Wheeler
Hemphill
Ochiltree
Hale
Hale
Lamb, Hale
From in depth articles to firsthand stockholder stories, discover content that informs, inspires, and connects you with the people shaping agriculture.
Plains Land Bank is a proud contributing partner of AgBizInfo. AgBizInfo is the most comprehensive source of education and business resources for young, beginning, and small farmers and ranchers in the United States. Visit AgBizInfo today to start exploring resources and tools for your next venture!
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