Nutrient Management Loan Program

The Nutrient Management Loan Program helps farms and other agricultural businesses fund nutrient management projects such as diversion, irrigation, anaerobic digesters, composting or treatment facilities.


This program is administered by FAME and was developed in cooperation with the Maine Department of Agriculture, Conservation, and Forestry (DACF); the Maine Department of Environmental Protection; and the Maine Bond Bank.


Generally, any business or individual identified by DACF as having eligible agricultural non-point-sources pollution abatement projects.

Eligible uses include diversion, irrigation, anaerobic digesters, composting or treatment facilities in Maine. Projects must be deemed eligible by DACF.  See “Application Process” below.

Loan funds may not be used for working capital, non-project-related equipment and expenses, and refinancing. Borrowers that are defined as a Concentrated Animal Feeding Operation may not be eligible for this program. No construction lending.

Loan Amount

100% of an eligible project up to $450,000.

Interest Rate

2% fixed.

Loan Term

Determined by the useful life of the assets being financed, not to exceed 20 years.


Assets being financed and other collateral, as required or available.


  • Loan origination fee: 2%
  • Annual loan administration fee: 1% of loan balance
  • Borrower is responsible for all costs of closing the loan.

Application Process

Complete the Eligibility Application below and submit to DACF (see contact information below). Once the project is deemed eligible by DACF, submit the approved Eligibility Application to FAME, along with the documents in the Application section below.


For Eligibility:

Mark Hedrich
Maine Department of Agriculture, Conservation and Forestry
Fax:  207-287-7548

Application Downloads

The documents above can be viewed using Adobe Acrobat. You may download a free copy of Adobe Acrobat Reader by clicking here.

The applications are in a PDF format, which can be completed on-line and must be printed and sent to FAME.