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Balance farming and personal life with Holistic Planning

Holistic Financial Planning (BF 203) Building Farm Profit Into the Picture an online course through the Northeast Beginning Farmer Project Wed. Jan. 20 – Feb 24, 2016 Webinars will be on Wed. evenings from 7-8:30pm EST If you’ve been struggling to make your farm operation profitable without driving yourself into the ground, this financial … Read More

Microloans from Farm Service Agency (FSA): What’s the Deal?

In Jan. 2013 the Farm Service Agency announced a new program to provide low-interest loans of up to $35,000 to farmers. In response to the tremendous interest in this new offering, the Cornell Small Farms Program held a webinar on April 10 with Carrie Novak of the FSA to explain the details and answer questions. … Read More

How do I finance my farm startup?

If you’re a new farmer, your chances for success will be greater if you can avoid going into debt to finance your farm operation, since your initial profits can be reinvested in the farm rather than paying the bank. Credit cards, with their extraordinarily high interest rates, are a particularly dangerous way to finance your … Read More

What kind of government incentives are available to me?

There are various types of cost-shares and payment programs available to farmers from the federal government. Keep in mind that there is no such thing as free money; pursuing any of the programs below requires a solid commitment of time and mountains of paperwork to secure any funds that are available. These programs are generally … Read More

How do I get a grant to start my farm?

Grants are almost never available to start a farm and are not a reliable strategy for growing your business. Grants may be a valuable resource once you’ve been in business for a while. They can enable you to expand a particular aspect of your business to make your operation more viable or provide funding to … Read More

What are some strategies for self-financing start-up?

Micro-scale Start-up One way to manage risk and avoid debt at start-up is to start very small and keep reinvesting farm revenue to grow your operation over time. If you are buying an existing operation or seek to sustain yourself full-time in just a few years, this strategy will probably not work for you. But … Read More

What are some options for borrowing money?

Farm Credit’s FarmStart Program has a mission to provide investments of working capital in farm businesses and farmer cooperatives that show sound promise for business success. The program can make loans to beginning farmers who wouldn’t meet Farm Credit’s internal credit standards. It requires no down payment or equity for five-year loans up to $50,000, … Read More