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.


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


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

Eligible uses include, but are not limited to: diversion, irrigation, anaerobic digesters, composting or treatment facilities in the state of Maine. Projects must be deemed eligible by the DACF. Loan funds may not be used for working capital, non-project-related equipment and expenses, or refinancing. Borrowers that are defined as a Concentrated Animal Feeding Operation are not eligible for this program. No construction lending is permitted.

Loan Amount

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

Interest Rate

2% fixed

Loan Term

Up to 20 years and determined by the useful life of the asset(s) being financed.


Asset(s) being financed and other collateral, as required or available.

Guarantees of business principals owning 20% or more of the business or 5% or more and receiving significant income from the business.


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

Application Process

The first step in the application process is an eligibility determination. Submit an Eligibility Form to the Maine Department of Agriculture, Conservation and Forestry. If the project is deemed eligible, the DACF will notify applicant(s) and will forward the Eligibility Form to FAME. The applicant(s) must then complete and submit the required program application documents (listed below) to FAME.

Eligibility Documents

  • Eligibility Form—Nutrient Mangement Loan Program

Eligibility Contact 

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

Application Documents

  • Application Form—Nutrient Mangement Loan Program
  • Personal Financial Statement

Application Contact 

5 Community Drive
Augusta, ME 04330
207-623-3263 or 1-800-228-3734

Application Downloads

For best results, please download .pdf forms locally, then open and complete them with Adobe Acrobat. If you don’t have Acrobat, you can download a free version of Adobe Acrobat Reader here. Save and print your completed forms, then mail to FAME.