Loan
Provincial
Active
MASC Farm Loans and Loan Guarantees (Manitoba)
Manitoba Agricultural Services Corporation (MASC)
Loan Range
Repayable loans and loan guarantees. Direct Loans: up to $6.25...
Ongoing
Difficulty
Moderate
Payment
Loan
Trend
Growing
First-Timers
Friendly ✓
Financing share
80%
MASC Farm Loans and Loan Guarantees (Manitoba) provides up to Repayable loans and loan guarantees. Direct Loans: up to $6.25 million at up to 80 per cent financing (90 per cent financing, or five years of interest-only payments, for eligible farmers aged 18 to 39), most with terms up to 25 years. Stocker Loans: up to 100 per cent financing on up to $1.6 million. Feeder Plus Loans (revolving): up to 90 per cent financing on up to $6.25 million. Loan guarantees on loans from participating lenders (as enhanced September 14, 2026): Operating Credit Guarantee lines up to $3 million for all business types and Diversification Loan Guarantees on loans of up to $15 million, with MASC guaranteeing 33.33 per cent (up from 25 per cent). Young Farmer Rebate: up to 2 per cent a year on the first $425,000 of principal for the loan's first five years, lifetime maximum $42,500. Manitoba's provincial farm lender offers Direct Loans of up to $6.25 million for land, buildings, equipment, livestock, quota and operating expenses, short-term Stocker and Feeder Plus livestock loans, and guarantees on loans from your own bank or credit union. Applications are accepted on an ongoing basis.
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Eligibility & Details
What this program funds and who can apply
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Program Description
Manitoba's provincial farm lender offers Direct Loans of up to $6.25 million for land, buildings, equipment, livestock, quota and operating expenses, short-term Stocker and Feeder Plus livestock loans, and guarantees on loans from your own bank or credit union. On September 14, 2026 MASC raised its guaranteed share to 33.33% from 25%, lifted Operating Credit Guarantee lines to $3 million, and opened Diversification Loan Guarantees to grain and oilseed operations. Farmers aged 18 to 39 get extra terms and a Young Farmer Rebate.
Eligibility Requirements
- Direct Loans: individuals, joint farm units, partnerships, corporations or cooperatives
- Direct Loans: applicants must be Manitoba residents at least 18 years of age and Canadian citizens or have lawful permanent residence status
- Direct Loans: applicants must personally operate the farm to which the loan applies
- The farm must be considered potentially viable and meet security requirements
- Livestock Loans: cattle and lamb producers buying feeder cattle or lambs, retaining their own feeders, or buying heifers to breed
- Loan guarantees: apply to the participating lender of your choice; if the lender decides a guarantee would help, the lender applies to MASC
- Diversification Loan Guarantee: producers and agricultural enterprises diversifying or adding value to agricultural commodities, now including grain and oilseed operations and investment in primary agricultural infrastructure in Manitoba; projects must comply with environmental and land use control laws
- Bridging Generations Initiative and Young Farmer Rebate: farmers aged 18 to 39 (partnerships, corporations and cooperatives qualify if at least one partner or shareholder would qualify individually)
Provinces
Industries
Business Stage
Quick Assessment
Difficulty
Moderate
Competition
Low
First-Timer
Friendly
Funding Details
- Amount
- Repayable loans and loan guarantees. Direct Loans: up to $6.25 million at up to 80 per cent financing (90 per cent financing, or five years of interest-only payments, for eligible farmers aged 18 to 39), most with terms up to 25 years. Stocker Loans: up to 100 per cent financing on up to $1.6 million. Feeder Plus Loans (revolving): up to 90 per cent financing on up to $6.25 million. Loan guarantees on loans from participating lenders (as enhanced September 14, 2026): Operating Credit Guarantee lines up to $3 million for all business types and Diversification Loan Guarantees on loans of up to $15 million, with MASC guaranteeing 33.33 per cent (up from 25 per cent). Young Farmer Rebate: up to 2 per cent a year on the first $425,000 of principal for the loan's first five years, lifetime maximum $42,500.
- Type
- Loan
- Level
- Provincial
- Financing share
- Up to 80% of eligible costs
- Deadline
- Ongoing
Program Scorecard
Competition, effort, and approval at a glance
Competition
Low
Deadline
Ongoing
Approval
Varies
Accessibility
3/5
Moderate — standard application process
Competition
1/5
Low competition — good odds of approval
Difficulty
3/5
Moderate — standard requirements
Processing Time
Budget Trend
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How to qualify
Insider tips, common pitfalls, and what successful applicants look like
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Insider TipIf you are under 40 and borrowing from MASC for the first time, watch MASC's Borrowing with MASC video first: the promotional code shown at the end waives your loan application fee (the Young Farmer Lending Fee Credit).
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Rejection Pitfalls 5
- For Direct Loans: the applicant does not personally operate the farm the loan applies to
+4 more pitfalls
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Success Profile
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Evaluation Criteria
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All 5 pitfalls, the checklist and the reviewer notes are in the Playbook below. See what it includes ↓
What's in this Playbook
Everything you need to secure MASC Farm Loans and Loan Guarantees (Manit...
Not a marketing summary. The actual checklist, intel, and stack strategy reviewers look for.
- 5 rejection pitfalls reviewers flag — so you catch them first
- 3-document checklist with what each reviewer is actually checking
- Your Application Game Plan — the print-ready PDF the preview below describes
- 5-step application timeline with prep hours per step
- Insider tip from program officers on what separates winners
- 3-program stacking strategy to combine with compatible funding
- Success profile + evaluation criteria — exactly what lenders look for
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Application Playbook
Step-by-step process, required documents, and expenses
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5 steps
3 docs
Application Steps
1
Book a Service Centre appointment Contact your local MASC Service Centre to meet a lending specialist.
Required Documents 3
✓ MASC loan application and lending forms (from the Lending Forms page)
✓ Documents your loan specialist requests; MASC's Borrowing with MASC video lists what to prepare
Eligible Expenses 8
Ineligible Expenses 2
Deadline Notes
Ineligible Organizations
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Funding Stack Strategy
Compatible programs, clawback risk, and combined funding potential
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3 partners
Compatible Programs
Combined Funding Potential
See your total funding potential
Clawback Risk
Not-applicable Risk
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How MASC Farm Loans and Loan Guarantees (Manit... Compares
Side-by-side with similar programs
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|---|---|---|---|---|
| MASC Farm Loans and Loan Guarantees (... | up to $6.25 million | Moderate | Loan | Ongoing |
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Frequently Asked Questions
Quick answers to the questions founders most often ask about MASC Farm Loans and Loan Guarantees (Manit...
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How much can I borrow through an MASC Direct Loan?
Up to $6.25 million at up to 80 per cent financing. Farmers aged 18 to 39 can choose 90 per cent financing or five years of interest-only payments instead.
What changed in MASC's loan guarantees in September 2026?
MASC's guaranteed share rose to 33.33 per cent from 25 per cent, Operating Credit Guarantee lines rose to $3 million, and grain and oilseed operations became eligible for Diversification Loan Guarantees.
How do I get an MASC loan guarantee?
Apply to the bank or credit union of your choice. If the lender decides your application would benefit from a guarantee, the lender applies to MASC.
What is the Young Farmer Rebate?
An annual rebate of up to 2 per cent on the first $425,000 of MASC loan principal for the loan's first five years, for farmers aged 18 to 39, with a lifetime maximum of $42,500.
Do I have to run the farm myself?
For MASC Direct Loans, yes: you must personally operate the farm the loan applies to, be a Manitoba resident at least 18, and be a Canadian citizen or permanent resident. Loan guarantees are applied for through your own lender, which assesses you on its terms.
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Full Playbook: MASC Farm Loans and Loan Guarantees (Manit...
5 steps · 3 docs · reviewer insights