Fund your greenhouse.

Most of a greenhouse is financed, not written as a check. Here are the grants, guaranteed loans, and state programs built for growers like you, and the people on our team who work them for you.

How a greenhouse usually gets paid for.

10 to 30%
Grants

USDA energy, value-added, specialty crop, and food-system grants can cover lighting, heating, packing, and cold storage. Competitive, round-based, and worth the paperwork.

60 to 90%
Equipment financing and guaranteed debt

Equipment financing on the greenhouse and grow systems for qualified producers, plus FSA facility loans for cold storage and packing. SBA 7(a), 504, and USDA guarantees cover the rest at long terms.

0 to 20%
Owner equity

Your cash and any producer-group or cooperative investment. Lenders want to see it; grants often require it as match.

Illustrative ranges. Every stack depends on the applicant, the site, and which rounds are open when you apply.

Your in-house funding team.

Two people, both on staff, no third parties. Every prospective owner and franchisee works directly with them from the first call through funding. Their job is simple: get your greenhouse paid for with as much non-dilutive money as the programs allow.

Molly Reinecke
In-house SBA Specialist

Molly brings more than 20 years across sales, finance, banking, operations, and leadership, much of it with family-owned and closely held businesses. She grew up in a multi-generational family business herself, so she knows a greenhouse is about more than the numbers. It is about building something that lasts.

Full bio and photo
Portrait of Molly Reinecke

Molly Reinecke

In-house SBA Specialist

Molly is a seasoned business leader with more than 20 years of experience spanning sales, finance, banking, hospitality, operations, and leadership. Throughout her career, she has worked with businesses and teams of all sizes, helping leaders strengthen operations, develop their people, and build the systems needed for sustainable growth.

Her passion is working with family-owned and closely held businesses to help them grow without losing the culture, values, and relationships that made them successful in the first place. Having grown up in a multi-generational family business herself, Molly understands that building a successful company is about more than the numbers. It is about creating something strong enough to become a lasting legacy.

Molly brings a practical, people-first approach to strategic planning, operational improvement, financial performance, leadership development, and company culture. She believes the strongest businesses are built when clear expectations, strong systems, accountable leadership, and engaged teams work together.

Known for her positive energy and ability to connect with people, Molly challenges business owners and leaders to look beyond where they are today and take intentional action toward where they want to go.

Outside of work, Molly is a proud mom of three and is happiest spending time with her family. Whether she is supporting her kids in sports, fishing at the lake, or enjoying a round of golf, she values the same things personally that she brings to business: relationships, experiences, hard work, and making the most of every opportunity.

Carol Olson
In-house Grant Writer

Carol writes and assembles the grant applications, budgets, and narratives for every Local Greenhouse Farms applicant. Full bio and photo coming soon.

  • Screens every program below for your operation, location, and timeline
  • Writes and assembles the grant applications, budgets, and narratives
  • Packages the lender file: projections, greenhouse specs, and the food-safety story
  • Tracks state and regional rounds that never make the national lists
  • Sequences applications so grant awards and loan closings line up with the build

The programs we work most.

A curated list, not a database dump. Rounds open and close during the year, so treat the status column as a starting point and let our in-house SBA specialist confirm the current cycle. Last reviewed September 2026.

USDA and federal grants

Non-dilutive money for energy, packing and cold storage, value-added produce, and school supply links.

Specialty Crop Block Grant Program (SCBGP)

USDA Agricultural Marketing Service, through the Nebraska Department of Agriculture
Program page: Specialty Crop Block Grant Program (SCBGP)
Funds:
Projects that make Nebraska specialty crops (vegetables, herbs, fruit) more competitive: food safety, marketing, new markets such as schools, and production research. Best fit is a project that lifts more than one grower, not a single build.
Award:
Nebraska awarded about $820,000 statewide in fiscal 2026. No stated maximum and no match required.
Who:
Producers, producer groups, nonprofits, and universities in Nebraska. Individual applicants apply to the state, not USDA.
StatusThe 2026 Nebraska round closed June 8, 2026. The next round is expected to open in spring 2027.

Value-Added Producer Grants (VAPG)

USDA Rural Development
Program page: Value-Added Producer Grants (VAPG)
Funds:
Planning and working capital for producers who process and market their own crop: washed and bagged greens, salad mixes, branded produce for school and retail accounts.
Award:
Fiscal 2026: up to $50,000 for planning; up to $200,000 for working capital. Dollar-for-dollar match, cash or in-kind.
Who:
Independent producers, producer groups, cooperatives, and majority-producer-controlled businesses.
StatusThe fiscal 2026 window closed April 22, 2026. Annual program; the next notice usually lands in winter.

Rural Energy for America Program (REAP)

USDA Rural Development
Program page: Rural Energy for America Program (REAP)
Funds:
Energy efficiency and renewable energy: LED grow lighting, high-efficiency heating, thermal curtains, climate controls, and solar to offset the electric load. Energy is the largest operating line in a greenhouse, so this is the grant to sequence first.
Award:
Grants up to 50% of eligible project cost, capped at $500,000 for efficiency and $1 million for renewable systems, plus loan guarantees.
Who:
Agricultural producers and rural small businesses. An energy audit or assessment is part of the package.
StatusUSDA paused new grant applications in 2025 to clear a backlog and set fiscal 2026 deadlines of September 30 and December 31, 2025 and March 31, 2026. Confirm the current window; loan guarantees are accepted year-round.

Patrick Leahy Farm to School Grant Program

USDA Food and Nutrition Service
Program page: Patrick Leahy Farm to School Grant Program
Funds:
Projects that put more local food in school meals: procurement systems, producer and cafeteria training, gardens, and the supply links between a grower and a district.
Award:
Fiscal 2026 awards of $100,000 to $500,000 from a pool of up to $18 million.
Who:
Producers and producer groups are eligible only in partnership with a school food authority, tribal organization, or nonprofit. The school or nonprofit is usually the lead applicant.
StatusAnnual competition. The fiscal 2026 request for applications is out; confirm the deadline with the district you would partner with.

Resilient Food Systems Infrastructure (RFSI)

USDA Agricultural Marketing Service, through the Nebraska Department of Agriculture
Program page: Resilient Food Systems Infrastructure (RFSI)
Funds:
Middle-of-the-chain infrastructure for local food: wash and pack lines, cold storage, refrigerated delivery, and aggregation for produce headed to schools and grocers.
Award:
Equipment-only grants of $10,000 to $100,000; larger infrastructure grants with match. Nebraska's first round placed over $2.5 million.
Who:
Producers, packers, and food businesses in Nebraska serving local and regional markets.
StatusNebraska's first round is awarded. Whether a second round opens depends on federal funding; we watch the NDA page.

Local Food Promotion Program (LFPP)

USDA Agricultural Marketing Service
Program page: Local Food Promotion Program (LFPP)
Funds:
Businesses that aggregate, store, distribute, or process local produce, including a greenhouse that packs for neighboring growers or runs a school delivery route.
Award:
Planning and implementation awards; 25% match required.
Who:
Local food business enterprises, producer groups, and partnerships.
StatusRecurring annual program. Confirm the current cycle.

EQIP High Tunnel Initiative

USDA Natural Resources Conservation Service
Program page: EQIP High Tunnel Initiative
Funds:
Cost share for a seasonal high tunnel on the same ground, for season extension alongside the climate-controlled house. A heated, lit, climate-controlled greenhouse is not what this practice pays for; the companion tunnel is.
Award:
A per-square-foot payment set by each state, commonly $5 to $12, with higher rates for beginning and veteran producers.
Who:
Producers with control of the land and a farm record with FSA. Income limits apply.
StatusApplications are taken year-round and ranked in batches. Ask the local NRCS office what features Nebraska currently allows on a tunnel.

Urban Agriculture and Innovative Production (UAIP) Grants

USDA Office of Urban Agriculture and Innovative Production
Program page: Urban Agriculture and Innovative Production (UAIP) Grants
Funds:
Controlled-environment and innovative production projects: hydroponics, greenhouses, and vertical systems, often tied to schools and community food access.
Award:
$2.5 million available in fiscal 2026 across planning and implementation projects.
Who:
Nonprofits, local and tribal governments, and schools apply. A greenhouse can be the production partner on a school district or nonprofit application.
StatusThe fiscal 2026 round closed March 10, 2026. Annual competition.

Grants stack, and most of them run on a calendar. Tell our SBA specialist which ones fit your operation and she builds the application timeline around your build.

Start your funding intake

Loans and loan guarantees

The debt side of the stack. Guarantees and FSA facility loans are what let a local bank say yes to a greenhouse.

Allison Leasing Company equipment financing

Local Greenhouse Farms financing partner
Start the funding intake
Funds:
The greenhouse structure, climate controls, lighting, and grow systems, underwritten as capital equipment rather than a commercial construction loan.
Award:
Up to 100% of the equipment cost, $0 down for qualified producers, five-year term with level monthly payments, no balloon and no end-of-term buyout.
Who:
Producers and franchisees, subject to credit approval. Underwriting considers the operation's full picture, including the new year-round produce income.
StatusPartner terms are being confirmed for greenhouse structures. Ask on the intake and we will tell you where it stands.

FSA Farm Storage Facility Loans (FSFL)

USDA Farm Service Agency
Program page: FSA Farm Storage Facility Loans (FSFL)
Funds:
Cold storage, wash and pack sheds, handling equipment, and refrigerated trucks for fruit and vegetable producers. Since late 2024 this includes controlled-atmosphere storage.
Award:
Up to $500,000 per loan for facilities; up to $100,000 for storage and handling trucks. Terms of 3 to 12 years at a low fixed rate with 15% down.
Who:
Producers of eligible commodities, including fruits and vegetables, with a farm record at FSA.
StatusAlways available through the county FSA office. One of the simplest loans to close.

FSA Farm Ownership, Operating, and Microloans

USDA Farm Service Agency
Program page: FSA Farm Ownership, Operating, and Microloans
Funds:
Direct and guaranteed loans for producers, including a greenhouse and its equipment on the farm. Microloans cover smaller starts.
Award:
Direct ownership loans up to $600,000; operating up to $400,000; microloans up to $50,000; guaranteed loans higher.
Who:
Family-sized farm operations that cannot get credit elsewhere at reasonable terms; beginning-farmer set-asides.
StatusAlways available.

SBA 7(a) Loan

U.S. Small Business Administration, through participating lenders
Program page: SBA 7(a) Loan
Funds:
Equipment, working capital, and startup costs. The most flexible SBA product for a greenhouse build.
Award:
Up to $5 million.
Who:
For-profit small businesses that meet SBA size standards, including new franchisees.
StatusAlways available. Terms up to 10 years for equipment.

SBA 504 Loan

U.S. Small Business Administration, through Certified Development Companies
Program page: SBA 504 Loan
Funds:
Long-term fixed-rate financing for major fixed assets: the structure, foundation, utilities, and site work.
Award:
Up to $5.5 million on the CDC portion, typically 10% owner equity.
Who:
For-profit businesses with a tangible net worth under $20 million.
StatusAlways available. Well suited to the greenhouse plus pad, power, water, and gas.

Business & Industry (B&I) Guaranteed Loan

USDA Rural Development, through participating lenders
Program page: Business & Industry (B&I) Guaranteed Loan
Funds:
Business acquisition, construction, equipment, and working capital in rural areas.
Award:
Up to $25 million, with USDA guaranteeing up to 80%.
Who:
Businesses in rural areas of 50,000 people or fewer.
StatusAlways available.

Food Supply Chain Guaranteed Loan Program

USDA Rural Business-Cooperative Service
Program page: Food Supply Chain Guaranteed Loan Program
Funds:
Start-up or expansion of middle-of-the-supply-chain businesses, including packing, cold storage, and distribution.
Award:
Up to $40 million, 90% guarantee.
Who:
Packers, aggregators, and distributors.
StatusSubject to available funding. Confirm before applying.

A guarantee needs a package before a lender will look at it. The intake is that package: one form, and we take it to the bank and the agency for you.

Start your funding intake

Beginning farmers, ranchers, and veterans

If you have been operating 10 years or fewer, or you served, a separate set of doors opens: set-aside loan funds, a 5% down payment program, state tax credits, and fee relief.

FSA Beginning Farmer and Rancher Loans

USDA Farm Service Agency
Program page: FSA Beginning Farmer and Rancher Loans
Funds:
Farm ownership, operating, and microloans with a share of FSA funds set aside each year for producers with 10 or fewer years operating.
Award:
Direct ownership up to $600,000; operating up to $400,000; microloans up to $50,000; guaranteed loans higher.
Who:
Producers with 10 or fewer years operating a farm. USDA widened the beginning-producer window from 5 to 10 years in 2025.
StatusAlways available. Set-aside funds are targeted to beginning producers.

FSA Down Payment Loan Program

USDA Farm Service Agency
Program page: FSA Down Payment Loan Program
Funds:
Buying a farm, including the ground a greenhouse sits on, with a small cash down payment and FSA financing part of the price at a reduced rate.
Award:
Applicant puts 5% down; FSA finances up to 45% at a below-market fixed rate; a commercial lender or seller carries the rest.
Who:
Beginning farmers and veterans.
StatusAlways available.

Nebraska Beginning Farmer Tax Credit (NextGen)

Nebraska Department of Agriculture
Program page: Nebraska Beginning Farmer Tax Credit (NextGen)
Funds:
A state income tax credit for landowners who rent ground or assets to a qualified beginning farmer, and a personal property tax exemption for the beginning farmer.
Award:
Credit to the asset owner based on the lease; exemption on the first $100,000 of the beginning farmer's agricultural personal property.
Who:
Nebraska residents with a net worth under the program cap, farming for the first time or within the early years.
StatusAnnual program. Applications run through the Nebraska Department of Agriculture.

Nebraska Beginning Farmer and Rancher Loan Program (Aggie Bonds)

Nebraska Investment Finance Authority
Program page: Nebraska Beginning Farmer and Rancher Loan Program (Aggie Bonds)
Funds:
Tax-exempt financing through a participating lender for land and equipment at a lower interest rate.
Award:
Federal aggie-bond limits apply; the lender sets terms.
Who:
Nebraska beginning farmers who meet the first-time farmer test.
StatusAlways available through participating lenders.

FSA loans with veteran priority

USDA Farm Service Agency
Program page: FSA loans with veteran priority
Funds:
The same ownership, operating, and down payment loans above, with veterans treated as a targeted group for set-aside funds.
Award:
Same limits as the beginning-producer loans.
Who:
Veterans of any era who have not operated a farm for more than 10 years.
StatusAlways available.

SBA Veterans Advantage

U.S. Small Business Administration
Program page: SBA Veterans Advantage
Funds:
Fee relief on SBA 7(a) loans to veteran-owned businesses, which lowers the cost of financing a greenhouse through a bank.
Award:
Reduced or waived guaranty fees on qualifying 7(a) loans, per the current fiscal year's terms.
Who:
Businesses at least 51% owned by veterans, service-disabled veterans, active-duty in TAP, reservists, National Guard, or their spouses.
StatusAlways available. Fee terms are reset each fiscal year.

Enhancing Agricultural Opportunities for Military Veterans (AgVets)

USDA National Institute of Food and Agriculture
Program page: Enhancing Agricultural Opportunities for Military Veterans (AgVets)
Funds:
Training, apprenticeship, and business planning programs for veterans entering agriculture, delivered through nonprofit and educational partners.
Award:
Grants go to partner organizations; veterans access the programs at no cost.
Who:
Veterans, through participating programs.
StatusAnnual competition. Ask us which partners are active in your area.

Ten years or fewer in operation, or you served? Say so on the intake and we route you through the set-aside funds first.

Start your funding intake

Nebraska programs

Nebraska first, since that is where the program opens. We track equivalents as new states come on.

Nebraska Advantage Rural Development Act

Nebraska Department of Revenue
Program page: Nebraska Advantage Rural Development Act
Funds:
Refundable state tax credits for new investment and new jobs in small and rural Nebraska counties. A base greenhouse with two hires clears the Level 1 threshold.
Award:
Level 1: $2,750 per $50,000 of new investment plus $3,000 per new full-time job, with at least $125,000 invested and two jobs. Credits refund state sales tax or offset income tax. $500 application fee.
Who:
Businesses in counties under 15,000 people, villages, or economically distressed areas. Wage floor for 2026 is $20.22 an hour.
StatusOngoing. Apply before the investment is made; the application date sets the base year.

Nebraska Enterprise Fund

Nebraska Enterprise Fund (community development lender)
Program page: Nebraska Enterprise Fund
Funds:
Flexible small-business loans and one-on-one business coaching for Nebraska startups and small operations that a bank turns down or cannot fully fund.
Award:
Cash-flow-based loans from a revolving pool of over $25 million; terms set per borrower.
Who:
Micro and small businesses anywhere in Nebraska and southwest Iowa.
StatusAlways available. Often the piece that fills the gap between a grant award and a bank loan.

Nebraska Farm to School Program

Nebraska Department of Education
Program page: Nebraska Farm to School Program
Funds:
Not a grant: the state program that connects growers with school food authorities. Nebraska Thursdays puts a local meal on the menu the first Thursday of each month, and the Local Food Challenge runs through the 2026-27 school year.
Award:
Market access rather than dollars. Schools buying through it are the customers a greenhouse is built for.
Who:
Nebraska producers who can meet a district's food-safety and delivery requirements.
StatusOngoing. The federal Local Food for Schools purchasing money that fed this channel was terminated in 2025, so districts now buy local out of their regular meal budgets.

Not in Nebraska yet? Put your state and county on the intake and we match you with that state's programs as territories open.

Start your funding intake
Ready to start? Complete the funding intake and our in-house SBA specialist takes it from there. Program terms, amounts, and deadlines are published by the agencies linked above and change without notice. Nothing on this page is a commitment of funding or a guarantee of eligibility, and grant assistance is not a franchise offer. Awards are made by the agencies, not by Local Greenhouse Farms.