YBS Farmer & Rancher Program

If you are considered a Young, Beginning or Small Farmer/Rancher you may qualify for special lending programs!

For many farmers and ranchers, we were the first, and often the only, lender chosen when they began their farming operation. Many of these farmers continue to use Farm Credit for all their agricultural financing needs.

Our loan officers understand agriculture and the challenges young people face when getting involved in agriculture, transferring an existing operation, or expanding an operation.

Farm Credit of Enid is committed to helping you face these challenges through our Young, Beginning, or Small Farmer and Rancher Program.

Are you a Young, Beginning, or Small Farmer or Rancher?

  • A Young farmer or rancher is one who is 35 years of age or younger.
  • A Beginning farmer or rancher is one who has 10 or fewer years farming or ranching experience.
  • A Small farmer or rancher is one who generates less than $250,000 in annual gross agricultural sales. Our loan officers would be glad to review the program guidelines with you to determine if you qualify. We also work closely with government entities such as FSA to provide additional program opportunities that may fit your needs.

Loan Applications

For Loan Applications Below $100,000:

Download Short Form Application

For Loan Applications of $100,000 and Above:

Mortgage Loans - Download Mortgage Application
Commercial Loans - Download Commercial Application

Other Documents:

Balance Sheet

After completing the application, print and fax or mail it to our office; additional financial information may be required.
Farm Credit of Enid, ACA
1605 W. Owen K. Garriott Road
Enid, OK 73703
Fax 580-233-3499

Loan Payment Calculator with Amortization Schedule
This calculator will compute a loan's payment amount at various payment intervals -- based on the principal amount borrowed, the length of the loan and the annual interest rate. Once you have computed the payment, click on the "Create Amortization Schedule" button to create a report you can print out.

How much are you looking to borrow?
What is the loan's annual interest rate?
What is the term of the loan in years?
What is the payment interval?
Date 1 payment-period prior to date of 1st payment:
This is the amount of your payment: