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Bringing Credit Options to Our Veterans

Althea Raiford retired from the Navy in 2010 and works in Maryland as a police officer. But every month she sends money home to Georgia to buy hogs, chickens and feed, some of which have been purchased at a discount through a network of veterans.

“We [veterans] are a family,” said Raiford, who was able to connect with other veteran farmers to receive 20 chickens for free and purchase two hogs for $30 each to jumpstart an operation that she and her brother started in Georgia four years ago. “We take care of our family and we take care of it the best way we know how.”

Raiford was one of nearly 40 veterans who traveled to Kearneysville, W.Va., on Oct. 10 to attend a symposium co-sponsored by the U.S. Department of Agriculture that provides veterans who have an interest in agriculture with financial and business planning information.

Jim Radintz (left) from the FSA Farm Loans Programs met one-on-one with producers to educate them about microloans and other FSA loan opportunities.

Jim Radintz (left) from the FSA Farm Loans Programs met one-on-one with producers to educate them about microloans and other FSA loan opportunities.

“The veteran population has a tremendous opportunity,” said Deputy Undersecretary for Farm and Foreign Agricultural Services Karis Gutter, who gave an overview of USDA agencies and programs. “When you look at the fabric of veterans, especially ones that have served abroad or have been in key leadership positions, they have the qualities and skills needed to successfully manage an agricultural operation.”

Gutter, a Marine Corps veteran, added that alongside access to capital and quality land, agriculture faces an aging population and unpredictable weather. “Father Time and Mother Nature are some of the biggest challenges,” he said.

According to the 2007 USDA Agricultural Census, the average age of U.S. farmers is 57 and rising, while the average age of younger farmers is 30 and rising.

“We have an aging population that is getting older and the younger generation is creeping up too. Then, unpredictable weather has hit the country hard with an unprecedented drought and storms across the country. This is an opportunity to find ways that USDA can get more involved and better serve our veterans and put resources into their hands that they can use.”

Deputy Undersecretary for Farm and Foreign Agricultural Services Karis Gutter spoke to nearly 40 veteran farmers about how USDAs multiple agencies can help producers start, fund and market an agricultural operation.

Deputy Undersecretary for Farm and Foreign Agricultural Services Karis Gutter spoke to nearly 40 veteran farmers about how USDAs multiple agencies can help producers start, fund and market an agricultural operation.

For Raiford and her brother, access to land wasn’t a problem. They both inherited two acres of land that is part of a 479-acre plot that has been in their family since 1874. The land was once farmed but has sat dormant for nearly 50 years until Raiford and her brother, a chef in Georgia, decided to make it fruitful again.

“We are enthusiastic beginning farmers. The reality is that we can do it but it takes a lot,” said Raiford, who attended the symposium to find ways she and her brother can access credit to grow their operation.

Representatives from the USDA Farm Service Agency, Mid-Atlantic Farm Credit, Farmer Veteran Coalition and the West Virginia University Extension Program also presented programs available to veterans and held roundtable discussions and met one-on-one with attendees to address individual needs.

“I always tell people that access to capital isn’t the hardest part,” said Michael O’Gorman of the Farmer Veteran Coalition. “It’s paying it back that’s the hard part,” adding that an operation needs to use the resources and networks available in order to be profitable.

Brett Lawler is having no problems being profitable — growing vegetables for the past three years on his Western Pennsylvania farm. He is now ready to expand into another state but is having problems finding suitable land. He came to the symposium in hopes of finding a straight answer.

Althea Raiford (left) came to the seminar to find resources that could jumpstart her family farming operation.

Althea Raiford (left) came to the seminar to find resources that could jumpstart her family farming operation.

“My experience is that a lot of agencies say and do things but when you question or approach them they either clam up or misdirect you,” said Lawler.

After a nine-year stint with the Army, Lawler decided to farm and work for himself. He said he needs help finding someone who can survey the land, take samples and explain to him if the land he located in New York is suitable to farm.

Lawler was able to receive assistance from fellow veterans and representatives in attendance.

“Looking at the economic infrastructure of the country and the cost of food, it seems like agricultural production is a safe place to be.”

Gutter concurs that agriculture is a great place for veterans to get involved. “Nearly 6 million veterans come from rural American,” he said. “Although the challenges in agriculture may not be as easily paved as the laws make it out to be, if they want to go into the business as a private citizen, then we will help provide the opportunity for them to do so.”

In February, Agriculture Secretary Tom Vilsack and American Legion National Commander Fang Wong signed a Memorandum of Understanding to help America’s veterans and transitioning military service members find positions that promote agriculture, animal and plant health, food safety, nutrition, conservation and rural communities. The national effort has become a priority for Vilsack, who also chartered a task force — USDA for Veterans, Reservists, and Military Families — to strengthen and coordinate programmatic and outreach efforts across the department to better serve military and veteran families.

2 Responses to “Bringing Credit Options to Our Veterans”

  1. Tom Buckner says:

    Great article and I love what USDA is doing for veterans. As a veteran possibly interested in getting into farming, what would be a good place to start?

  2. Scott says:

    “I always tell people that access to capital isn’t the hardest part,” said Michael O’Gorman of the Farmer Veteran Coalition. “It’s paying it back that’s the hard part,” adding that an operation needs to use the resources and networks available in order to be profitable.

    After 6 months of trying to find this Capital that is available, can you direct me in the right direction? even with the help of the SBDC in my area, I can’t get a bank to open the doors to even deny me a loan so I can get to the FSA. Just curious where the money exist. Of course, I’m trying to get a loan for aquaculture which even the USDA says is the fastest growing portion of agriculture, but banks won’t even listen. Help anyone?

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