It takes a lot of effort but… There's an “active market” today for small farm loans

Credit availability is a common constraint for small farmers. The biggest problem is that the cost of making loans does not vary much with the size of the loan. Therefore, the earnings potential for the lender is much greater from a large loan than a small loan. There are other problems such as lack of collateral or high risk of specialty crops that limit access to credit for many small farmers. Despite these difficulties, the Farmers Home Administration, the Farm Credit System and several innovative lenders in the private sector have developed programs to improve the credit environment for small borrowers.