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). Policy OS-4.3: Explore the possibility of establishing a fee for all new development in. Agricultural Financing for Farm Operations in California. Agricultural Loans: If you plan to use the land for farming or livestock, look into agricultural loans.