The Farm Service Agency (FSA) Guaranteed Loan programs help farmers and ranchers secure financing to buy farmland or finance agricultural production.  Guaranteed loans are made and serviced by financial institutions and the FSA guarantees a percentage of loan amount.

Through West Town Bank & Trust, farmers may secure a minimum of $350,000 up to a maximum of $2.2 million in FSA financing, with no geographic restrictions.  Lines of credit not available.

  • FSA Loans at West Town Bank & Trust are best utilized for large scale, commercial facilities.
  • FSA Loan proceeds can be used to purchase land, buy equipment, acquire another farm, and access working capital, among other uses.
  • We recommend business owners have 3 years of experience to qualify for an FSA loan.
  • Typically used by swine, cattle, poultry and dairy operations.

How Farmers Use FSA Guaranteed Loans

Benefits of FSA Guaranteed Loans

  • Extended Loan Terms

    The maximum repayment term is 40 years for guaranteed farm ownership loans and 7 years for farm operating loans.

  • Flexible Financing Choices

    The FSA guarantee permits lenders to make agricultural credit available to farmers who do not meet conventional underwriting criteria.

  • Competitive Interest Rates

    Interest rates are set by the lender but may not exceed the prior business day’s 5 Year Treasury note rate plus 5.5% for loans of 5 years of more.

  • Loans Made for Farmers

    FSA does more than just provide credit. It works with farmers to identify areas of opportunity for improvement in farm management.

3 Things You Must Know About FSA Loans

Learn more about who qualifies for FSA guaranteed farm loans.

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Meet Your Agriculture Lending Expert

For nearly one decade, Mike has been helping farmers and ranchers throughout the country obtain FSA guaranteed financing to buy start, improve, expand or transition family farming and ranch operations.  He has vast experience working in the agriculture industry, growing up on his family’s farm raising mainly corn, soybeans, peanuts, produce, as well as maintaining a hog operation.

Mike Pippins | Vice President of Government Guaranteed Lending