Cover photo for Santa Fe Farmers' Market Institute Micro-Loans

Santa Fe Farmers' Market Institute Micro-Loans

Santa Fe Farmers’ Market Institute

Farmers often have limited resources or lack access to capital, which can impact the sustainability of their business or their capacity to grow. The Farmer's Market Institute's Microloan Program awards low-interest flexible loans which funds projects that have a huge impact on many of our vendors’ businesses, as well as the quality and quantity of the products brought to the Market. The Microloan Program helps vendors defray seasonal operating expenses, improve infrastructure, extend the growing season, and much more. Access to capital ensures that farmers and ranchers can provide a constant and growing food supply to Santa Fe and the region.


Any current vendor at the Santa Fe Farmers’ Market may apply for a loan of $250 to $5000, and on a case-by-case basis up to $10,000. The interest rate is 6%, with 3% going to the bank to cover administrative costs and the remaining 3% goes back into the fund.


The terms and conditions are as follows:

  • $2,500 Short Term Temporary Emergency Loans to help alleviate cash flow challenges

  • Must be a vendor in good standing. Final decision to be made by the Microloan Committee.

  • No interest and no payments for 90 days (from time of funds disbursement)

  • Repayment within 1 year from time of funds disbursement

  • 6% interest, same as current loan, after 90 days

Application Instructions

For more information, email


Financial Instrument


Minimum Award Amount

January 1, 250

Maximum Award Amount


Updated March 22, 2024

Image Credit: Melissa Askew

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