Farm Credit of Florida is a leader in agricultural and rural financing. We serve 36 counties in northern and southern Florida.Farm Ownership Loans offer up to 100 percent financing and are a valuable resource to help farmers and ranchers purchase or enlarge family farms. The Farm Service Agency offers loans to help farmers and ranchers get the financing they need to start, expand or maintain a family farm. Use USDA's online farm loan tools to find loans that might be right for you, apply for a direct loan, or make a payment on a direct loan. To qualify for an agricultural loan, you'll need to take the following steps: 1. Contact a lender (and have a good credit score). We offer variable and fixed-term loans for up to 30 years. These agriculture purchase loans may be used to buy farmland, refinance existing farm loans, or finance the construction of a new farm. Farm land loans are primarily designed to help farmers fund the purchase or refinance of agricultural lands.