Young, Beginning & Small Farmers

We value the future of the agriculture industry, and that’s why we help hundreds of young farmers get their businesses off the ground every year.


Young, Beginning & Small Farmers

Resources, Training & Financing For The Young, Beginning & Small Farmer

Yosemite Farm Credit 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!

Specialty Loans

At Yosemite Farm Credit, we understand the unique credit needs of young, beginning, and small farmers. Our special loan programs for “YBS” members assist farmers who are 35 years old or younger; have 10 or fewer years of experience in farming, ranching, or aquatic agriculture; or who generate less than $350,000 in annual gross cash farm income of agricultural or aquatic products. 

Who Qualifies as a Young, Beginning or Small Farmer?

Young Farmer

A young farmer is one who is 35 years of age or younger.

Farmer with tablet

Beginning Farmer

A beginning farmer is one who has 10 or fewer years farming, ranching or aquatic agriculture experience.

Small Farmer

A small farmer is one who generates less than $350,000 in annual gross agricultural or aquatic sales.

News & Resources

Working with USDA Farm Service Agency: A Valuable Resource for Young Beginning and Small Farmers

For Young, Beginning, and Small (YBS) producers, understanding the opportunities available through USDA can be an important step toward building a successful operation. One of the most valuable resources available to agricultural producers is the USDA Farm Service Agency (FSA), which connects farmers and ranchers with programs designed to support agricultural operations through every stage of growth.

What is the Farm Service Agency?

The U.S. Department of Agriculture’s Farm Service Agency (FSA) serves as the local connection between agricultural producers and many USDA programs. With offices located in farming communities throughout the country, FSA administers programs related to farm ownership and operating loans, conservation efforts, disaster recovery, and commodity support. Its goal is to help ensure producers have access to the tools and programs needed to maintain and strengthen American agriculture. Producers can locate their nearest USDA Service Center using the USDA Service Center Locator.

Resources for Beginning Farmers and Ranchers

USDA offers specialized support for Beginning Farmers and Ranchers (BFRs), generally defined as individuals who have operated a farm or ranch for less than 10 years. One valuable resource is USDA’s network of Beginning Farmer and Rancher Coordinators. Located in each state, these coordinators can help producers understand USDA programs, identify resources that fit their operation, and connect with organizations that support beginning farmers and ranchers. Producers can find their state’s coordinator through the USDA Beginning Farmer and Rancher Coordinator Directory

Free Business Mentoring Through SCORE

In addition to USDA programs, producers can benefit from a partnership between USDA, the U.S. Small Business Administration (SBA), and SCORE. This program provides free business mentoring to farmers, ranchers, and agricultural business owners. Experienced volunteer mentors can offer guidance on business planning, marketing, cash flow management, growth strategies, and succession planning. Whether you’re just getting started or looking to expand, SCORE can provide valuable insight as you work toward long-term profitability and growth. Producers can learn more about the program and connect with a mentor through the USDA and SCORE partnership page.

Why Relationships Matter

Agriculture is a relationship-driven industry. Building connections with your local FSA office and maintaining a strong relationship with your lender can help you stay informed about programs, identify opportunities, and plan for the future. At Yosemite Farm Credit, we work alongside producers at every stage of their agricultural journey. By building relationships with both Farm Credit and FSA, producers can create a strong support network that provides access to expertise, guidance, and resources to help their operations succeed.

“The Farm Service Agency has great resources your operation can benefit from. As a former employee of the Farm Service Agency, I highly recommend connecting with your local county office to see how they can help better your operation’s future.”

— Lucas Avila, Loan Officer, Yosemite Farm Credit

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