USDA improves aAccess to credit by streamlining and modernizing farm loans

This is an image of the U.S. Department of Agriculture (USDA) logo with the letters in blue and swaths of green to represent fields.

12 Sep 2026


Economic Development, Agriculture, Business

The U.S. Department of Agriculture (USDA) is improving access to credit for farmers and ranchers by making farm loan policy and technology improvements, reducing administrative burdens and strengthening financial security. These updates will increase efficiency by expediting the application process for direct loans, streamlining the process for certain guaranteed lenders who partner with USDA’s Farm Service Agency (FSA) and laying the groundwork for an electronic interface for guaranteed loans.

FSA makes direct and guaranteed loans to farmers and ranchers who are unable to obtain sufficient commercial credit at reasonable rates and terms. FSA farm loans can be used to purchase personal property or farmland, finance agricultural production expenses, or address day-to-day operational needs. The Consolidated Farm and Rural Development Act authorizes most farm loans including farm ownership, farm operating, and emergency loans.

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