Young, Beginning, and Small Operation Loans
Heritage Land Bank is committed to meeting the needs of Young, Beginning, and Small operations (YBS) by offering specialized loan terms to fit the needs of those who are getting started in agriculture.
Who qualifies and what makes you eligible as a Young, Beginning, or Small operator?
Young: a farmer, rancher or producer or harvester of aquatic products who is age 35 or younger as of the loan transaction date.
Beginning: a farmer, rancher or producer or harvester of aquatic products who has 10 years or less experience farming, ranching or aquatic as of the loan transaction date, or has not assumed control of an operation for more than five years.
Small: a farmer, rancher or producer of aquatic products who normally generates less than $250,000 in annual gross sales of agricultural or aquatic products.