A farm kitchen table with a blank notebook, a pencil and a bowl of dried beans beside a window looking onto fields

Finance

Making a regenerative operation pay: pricing, costs, grants, loans and diversified income.

Finance

Land Access: Leases, Land Trusts and the Ground You Do Not Own

Most US farmland is worked by someone who does not own it, and USDA's one land access program was canceled last week. How written leases, soil clauses, lease-to-own, easements and land trusts let a farmer build soil on rented ground without losing the investment.

Finance

Know Your Cost of Production Before You Set a Price

An enterprise budget for a market garden or a pasture herd: the variable costs, the overhead and unpaid hours most small farms skip, break-even per unit, and a price list that follows from your own numbers instead of the neighbor's stall.

Finance

USDA Grants Worth a Small Farm's Time (and the Ones to Skip)

A spring of frozen contracts and late reimbursements is the backdrop for grant season. Which USDA grants fit a small farm, what each costs in match and reports, the Value-Added Producer Grant due April 17, SARE, FMPP, RFSI, and the programs to leave alone.

Finance

Carbon Markets for Farmers: What the Contracts Actually Pay

Carbon contracts promise a new income line for cover crops and no-till. Here is what the offers really pay per acre and per ton, what the additionality, permanence and data clauses mean, who owns the credit, and where USDA's program stood in November 2024.

Finance

Crop Insurance for Diversified Farms: WFRP and Micro Farm

Whole-Farm Revenue Protection and its smaller cousin Micro Farm insure a diversified farm's revenue under one policy. What they cover, the tax records they need, how the subsidy works, the sales closing dates, and when FSA's NAP is the better fit.

Finance

FSA Microloans and Beginning Farmer Loans Explained

A plain guide to FSA farm loans for a first-generation farm: microloans, direct operating and ownership loans, the down payment loan, this month's rates, what counts as farm experience, the paperwork, and the honest limits of borrowed money.