YBS Loans
A Strong Start for the Next Generation of Producers
Flexible financing designed for young, beginning, and small agricultural operations.
Getting started in agriculture takes grit, patience, and the right financial partner. Our Young, Beginning, and Small Producer program helps new and growing farmers and ranchers gain access to the credit and support they need. Whether you are purchasing land, expanding a small herd, or launching your first operation, we provide financing built for early growth and long-term success.
Our loan officers live and work across Western Oklahoma, so your decisions are made by neighbors who understand the challenges of starting out and believe in supporting the next generation of producers.
Financing That Helps You Grow
Use a YBS Loan for:
Purchase your first acreage or expand existing land
Buy livestock or start a herd
Finance equipment or operational needs
Strengthen working capital and cash flow
Support early-stage or small-scale agricultural operations
More Than a Loan
Growing a successful operation takes more than credit. Young producers also benefit from community programs, leadership opportunities, and hands on support that build knowledge and confidence. Farm Credit of Western Oklahoma offers a wide range of resources that complement your YBS loan and help you succeed for the long term.
Our support for young producers includes:
Farmers Serving the Future of Agriculture
Our team understands the unique challenges that come with starting out. Many of us grew up in agriculture or operate farms and ranches ourselves. We know how important it is to have a lender who believes in your ideas, offers honest guidance, and helps you build a strong foundation.
A Partner for Every Stage
From your first land purchase to your first herd expansion, we are here to support your growth. As a cooperative, we reinvest in our shareholders and in rural communities. That means you benefit from local decision-making, shared knowledge, and a lender committed to your long-term success.
Estimate Your Payment in Minutes
Get a quick look at how a YBS Loan might support your operation before you meet with a loan officer.
Our loan calculator is a research tool for you to see payment differences when factors like interest rate, down payment and length of the loan vary.
To discuss the results of your calculations, contact a loan officer in your area.
