Farm Loans for Full and Part Time Farmers

Farm Loans for Full & Part Time Farmers in Georgia, North Carolina and South Carolina

You’ve built your operation through hard work, tradition, and family values. Whether you farm sun-up to sun-down or after hours, you need a lender who treats your goals like their own. AgSouth Farm Credit partners with ag producers across Georgia, North Carolina, and South Carolina to finance farmland, equipment, livestock, and operating expenses with flexible terms, quick access to funds, and patronage refunds that return profits to you.

What Can Farmers Finance with AgSouth?

You’ve been through the loan process before. You want a lender who picks up the phone, understands seasonal cash flow, and helps you make sound business decisions that keep your farm thriving for the next generation.

AgSouth offers flexible financing designed for working farms:

  • Farm Land Real Estate Loan – Buy new farmland, refinance acreage, or expand your operation.
  • Farm Improvements – Upgrade barns, grain storage, fencing, or irrigation systems.
  • Operating Lines of Credit – Access funds quickly for seed, fertilizer, fuel, or labor.
  • Equipment Loans – Finance tractors, pivots, spreader trucks, or specialty machinery
  • Livestock & Facility Loans – Purchase additional head or improve housing and handling facilities.
  • Crop Insurance – Expert guidance from agents who only originate insurance policies for farmers, nobody else.
  • Leasing – Potential tax efficient and cash flow solutions for equipment and building purchases 
  • Home and home construction loans for farmers

One relationship, all your financing needs, handled locally and efficiently.

Why Farmers Choose AgSouth Farm Credit

Farmers stay with AgSouth Farm Credit because we think like farmers, not like bankers. 

  • Local decision-making and lenders who understand ag economics
  • Flexible repayment schedules built around crop and livestock income
  • The opportunity to share in AgSouth's sucess with Patronage refunds 
  • A relationship-driven approach that focuses on service  

When your lender knows your fields by name, decisions come faster and with fewer surprises. 

Read the Yon Family Farms story on continuing their legacy.
Customer Story

Yon Family Farms

Yon Family Farms in Ridgeland, South Carolina is a first-generation seedstock operation known for its high-quality Angus, SimAngus, and Ultrablack cattle. After diversifying their operation with pecan orchards, the second generation of the Yon family operates the Nut House & Country Market. With AgSouth’s flexible financing, tailored solutions, and unwavering support, the Yon’s have been able to expand their herd, rebuild infrastructure after Hurricane Helene, and begin planting pecan trees that their grandchildren may one day harvest.

Read Their Story
AgSouth Apply Now for Farm Loans. We're local and come to you. Get started.

How to Apply for a Farm Loan

  1. Connect with your local AgSouth lender.
  2. Discuss your goals, cash flow, and needs.
  3. Submit an application.
  4. Close your loan and get back to farming.

Frequently Asked Questions

Are you local?

Yes. Our loan officers live in the same communities where they lend, giving you quick answers and local insight.

Can I qualify if I only farm part-time?

Absolutely. Many AgSouth members farm part-time while managing off-farm jobs. We structure loans that align with your schedule and income.

How easily can I access my funds?

Once your loan is closed, we offer several cash management options including fast cash, online digital banking, and more. Visit our payment options page for more information.

We Return Our Profits - Calculate Your Patronage

$
%

Here is your estimated Patronage Distribution: ESTIMATED PATRONAGE

After receipt of your distribution, patronage effectively lowers your total interest cost for the first year of your loan from $XXXXX to: EFFECTIVE INTEREST EXPENSE

This effectively lowers your interest rate from XXXX to: EFFECTIVE INTEREST RATE

*This estimate is used for the general pool only. Results based on a term year average of 20%. Past performance not a guarantee of future payouts. Calculations do not account for time value of money or distinguish between returns made in cash and in allocated surplus. Talk to a loan officer for details.

Tools & Resources

Download this free template to help start your farm income statement for your lender.
Business Management

Farm Income Statement Template

This downloadable Excel template provides a structured format for recording farm income and expenses using your own financial information.
Find budgets and caculators for your commodities in Georgia, North Carolina, and South Carolina.
Commodities

Enterprise Budget Worksheets

Enterprise budgets provide projections of expected expenses based on current market conditions.
Download this farm cash flow budget template to help start your conversation with your lender
Business Management

Farm Cash Flow Budget

This downloadable template provides a clear structure for estimating cash inflows such as crop and livestock sales, along with outflows including operating expenses, debt payments, and capital purchases.
See All Tools & Templates

Contact a Lender

Ready to strengthen your farm’s future?

About AgSouth Farm Credit 

AgSouth Farm Credit is a member-owned agricultural cooperative serving Georgia, North Carolina and South Carolina. We provide land, farm, home, and agribusiness financing and return profits to our customers through patronage distributions.