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Loans for Agriculture

AgSouth Farm Credit provides farm loans designed to support agricultural operations at every stage; from first-time producers to established farms managing growth, equipment, and working capital. Whether you operate full-time or balance farming alongside another career, our financing is built around the realities of agriculture.

Farm operations require flexibility. Income can vary by season, commodity prices shift, and long-term investments like land and equipment must be planned carefully. Our lending approach reflects those realities, with solutions designed to support both day-to-day operations and long-term growth.

What Can Farm Loans Be Used For?

Farm loans can be used across a wide range of needs, including:

  • Purchasing or refinancing farmland
  • Covering operating expenses such as seed, fertilizer, and labor
  • Investing in equipment, livestock, or infrastructure
  • Expanding or improving existing operations
  • Buying or building your home

These financing options are designed to align with agricultural production cycles and long-term business goals.

Farm Loan Options for Different Types of Farmers

AgSouth supports full and part-time farming operations

Full and Part-Time Farmers

  • Loans structured to your needs
  • Flexible repayment plans
  • Lending staff specialized in financing agriculture
  • A chance to share in our profits with our Patronage Program
AgSouth supports Young, Beginning and Small farmers

Young, Beginning, and Small Farmers

  • AgStrong ® YBS Loan Program
  • Continuing education and support opportunities
  • Lending staff specialized in financing agriculture
  • A chance to share in our profits with our Patronage Program

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