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Young, Beginning, & Small Farmers

Mississippi Land Bank is committed to meeting the needs of Young, Beginning and Small farmers/ranchers. Our years of experience in rural lending provide the expertise needed to finance many people who fit into the YBS group. By utilizing our flexible loan terms and our New Generation Loan Program and by working closely with other organizations and governmental agencies, we can tailor loans to fit the unique situations of YBS borrowers. In addition, we actively support other programs, events, scholarships and educational activities that benefit YBS farmers/ranchers.

Young farmer – a farmer, rancher or producer or harvester of aquatic products who is age 35 or younger as of the loan transaction date.

Beginning farmer – a farmer, rancher or producer or harvester of aquatic products who has 10 years or less farming, ranching or aquatic experience as of the loan transaction date.

Small farmer – a farmer, rancher or producer of aquatic products who normally generates less than $250,000 in annual gross sales of agricultural or aquatic products.

New Generation Loans

At Mississippi Land Bank, we recognize that the future of American agriculture depends on a new generation of producers.

To learn more about our New Generation Loan Program, including funding requirements and limitations, contact the Mississippi Land Bank location near you.

What is the New Generation Loan Program?

Through our New Generation Loan Program we provide competitive financing for young and beginning farmers to the full extent of their creditworthiness.

The new generation loan program is designed to promote and encourage lifelong lending relationships with young and beginning farmers. To accommodate the financial needs for this type of borrower, special underwriting standards have been developed. Eligibility is specific to the individuals liable, and all agricultural loan programs are available.

Eligible Borrower

  • Sole owner/operator of security; and
  • Under the age of 35 ("Young Farmer"); and
  • Has not assumed the control and risk of such operation for longer than 10 years.

Loan Purposes

  • To purchase or refinance land acquisition and/or improvements
  • To acquire equipment, cattle or operating funds