Young Farmers
35 years of age or younger at the time of loan closing.
Young, Beginning & Small Farmers Loans
Ready to Partner With Us?
We’re honored to support the farmers who are building tomorrow’s agricultural landscape. If you’re interested in joining our YBS program, we’re ready to help you get started.
Are You Eligible?
To qualify for the Young, Beginning, and Small Farmers Program, you must meet one of the following criteria as of the loan closing date:
Beginning Farmers
10 years or less of agricultural experience
Small Farmers
$350,000 or less in annual gross farm income
Joint Financing Programs
We proudly partner with:
Farm Service Agency (FSA)
Kentucky Agriculture Finance Corporation (KAFC)
These joint financing programs can help eligible farmers access and are designed to put you on a strong path to long‑term success:
- Down payment assistance
- Capital for equipment and land
- Lower interest rates
- Flexible options to support growth
Resources, Training & Financial Tools for YBS Farmers
River Valley AgCredit is a proud contributing partner of AgBizInfo, the most comprehensive educational resource for young, beginning, and small farmers and ranchers in the United States.
Through AgBizInfo, you’ll find:
- Agribusiness training
- Farm planning tools
- Financial education
- Mentorship resources
- Agricultural market insights
“Back to Your Roots” Podcast
Welcome to Back to Your Roots—River Valley AgCredit’s podcast dedicated to the future of farming.
Each episode features conversations with leaders who are outstanding in their field. We explore:
- Farming
- Faith
- Family
- Financing
Join us as we dig into everything that guides you… Back to Your Roots.
