Cost share programs and loans with complementary terms for beginning or socially disadvantaged farmers are examples of available financial programs. Such programs often require that a farm has been in operation for at least three years and loans generally require a solid business plan. Incentive programs are usually designed to foster adoption of resource efficiencies or encourage a new technology or marketing practice and often have time sensitive application deadlines. The bottom line of farm financing is that even special programs require a serious commitment to financial planning and follow through on practice adoption. Start your research below and see our Beginning Farmer, Business Planning, and Enterprise Budgets pages for related content.