A farm loan is a loan that helps you purchase, operate, or expand a farm. Farm loans come in different forms, such as real estate loans, operating loans, lines of credit, and equipment financing. An operating loan may help finance things like operating costs, cash liquidity, and repairs. You can also use an operating loan to finance new livestock, feed, seed, and equipment like tractors, greenhouses, and irrigation systems. Both government and commercial loan programs can provide financing for these scenarios.