Producer and Agricultural Credit Enhancement Act of 2025

This bill increases loan limits for farmers under the Farm Service Agency. It raises the maximum farm ownership loan amount from $600,000 to $850,000 (and guaranteed loans from $1.75M to $3M), and operating loans from $400,000 to $750,000 (and guaranteed loans from $1.75M to $2.6M), effective 2025. It also creates a new program allowing distressed guaranteed loans to be refinanced into direct loans if the borrower has exhausted efforts with their lender and the farm operation can become financially viable. Additionally, it doubles the microloan cap from $50,000 to $100,000.