We offer flexible financing and local support for beginning farm and ranch operations across the Texas Panhandle.
Young, Beginning, and Small (YBS) loans are designed to support the next generation of ag producers-whether you’re just getting started, building a small operation, or stepping into a family legacy.
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 Farmer 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 ag takes hard work, time, support, and the right financial tools. Our Beginning Farmer 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 fits your scale. Our Small Farmer Loans are designed to support operations that may not generate high revenue, but they still play a vital role in our ag communities and local economies.
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 Loan Committee helps guide our support with their first-hand experience and heart for the future of ag.
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