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.AgAmerica can finance agricultural farm and ranch properties, citrus grove conversions, recreational land, and even raw agricultural land parcels. Farm land loans are primarily designed to help farmers fund the purchase or refinance of agricultural lands. IBank's Small Business Finance Center features a Farm Loan Program that is designed to support direct loans to small farms in California. I opened Google and searched for farm and ag loans. The USDA was the first website to come up. To qualify for an agricultural loan, you'll need to take the following steps: 1. Contact a lender (and have a good credit score).