那么，哪些农场贷款适合您小型企业的财务需求？这完全取决于您的财务历史记录，需求和偏好。
幸运的是，即使您拥有较新的业务或没有最佳信用评分，您也可能有资格获得农业贷款计划。在这篇文章中，我们将介绍有关追求农场运营贷款的所有信息。
What is a Farm Loan?
Farm loans or农业贷款旨在帮助您购买，运营或扩展农场。这些贷款可能来自USDA或SBA等私人贷方或政府组织。
每笔农场贷款都有其自身的资格标准，费率，条款和福利。这就是为什么四处逛逛和比较所有选择至关重要的原因。无论您是需要资助运营费用，在淡季需要额外的现金，还是想投资拖拉机和灌溉系统等设备，农场所有权贷款都可以派上用场。
Types of Farm Loans
While there is no shortage of farm loans available, the most common options include the following:
USDA Farm Loans
美国农业农场服务局（FSA）提供了专门为农民和牧场主设计的各种贷款计划。
Some of these loans are direct loans from the USDA itself, and other loans are made by third-party lenders and guaranteed by the department. There are also guaranteed loans to farm businesses in rural areas.
The most noteworthy perks of USDA farm loans are low down payment requirements and interest rates. Depending on what you’ll use the financing for, terms can range from 10 to 40 years, and down payments may be as low as 5%.
SBA Loans
在小型企业管理局的支持下SBA贷款can guarantee anywhere from 50% to 90% of the loan amount, up to $5 million.
While many SBA loan programs are available to farmers, the 7(a) loan is the most popular. You can use it to pay for startup costs, inventory, equipment, expansion, or other business expenses.
与私人贷方的传统贷款相比，SBA贷款需要更强大的财务状况，包括良好的信贷，足够的收入和更多文件。
The benefits to SBA loans, however, are low-interest rates, favorable terms, and access to resources like mentorship programs and entrepreneurial development services.
期限贷款
银行和替代贷方通常提供定期贷款。如果您获得定期贷款，您将获得一次性的预付款。您将通过商定的期限通过固定的每月付款来偿还随着时间的推移借款。虽然定期贷款可能具有挑战性，但这些产品通常提供较低的利率。
信用额度
信用额度提供灵活的融资形式；您可以借用最多或最少的信用额度，这将基于您的信用评分和年收入等因素。
A line of credit can be the ultimate financial solution if you struggle with cash flow issues during seasonal fluctuations. It may also make sense to pursue a credit line if you don’t know exactly how much money you require.
Equipment Loans
There’s a good chance your farm or ranch depends on costly equipment to succeed, such as:
- Plows
- Trailers
- Seeders
- Balers
- 肥料撒布
Anequipment loancan help you find the cost of this equipment. Since the loan will be tied to the equipment itself and a lender can seize it if you default on your payments, it’s relatively easy to get.
如何选择合适的农业贷款
并非所有的农场贷款都是平等的；它们之间存在着值得注意的差异。购买农业贷款时，请考虑这些因素，以帮助您做出最明智的决定。
信誉
在一个完美的世界中，您将在申请后立即获得任何农场贷款的批准。
The reality is that some loans, like USDA loans and SBA loans, come with strict eligibility requirements. Look at your personal and business credit to determine which financing solutions are the most realistic for your business.
Loan Use
问问自己，您将使用收益来确定最佳资金选项。如果您想资助设备，设备贷款最有意义。另一方面，如果您的目标是支付工资单，营销或营运资金，则最好申请定期贷款或信用额度。
贷款时机
有时，您可能会立即需要金钱，而其他时候，您可以等待数周甚至数月的时间。如果您的融资需求不紧急，USDA和SBA贷款可能非常合适。如果您没有时间进行冗长的申请和批准流程，则可能需要从在线贷方寻求商务信用卡或信用额度。
Collateral
If you have no credit or bad credit, a secured loan linked to collateral or an asset you own can help you get approved for more money. Determine if you have collateral you’re willing to risk to land a larger loan amount. Also, remember that the business lender will seize your collateral if you default on your loan.
Conclusion: Steer Your Farm Toward Success with a Farm Loan
Farm loans are valuable financial tools, especially if you choose the right ones and pay them back on time. Whether you own a startup or an established farm, you owe it to yourself to explore the various loans and choose the best options for your specific goals.
编辑注：本文中表达的任何意见，分析，评论或建议都是作者单独的意见，尚未得到这些实体中任何一个的审查，批准或以其他方式认可的意见。
