Farm Loans

Loans tailored to your needs

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Is farming your passion?

We are proud to support your passion and commitment to providing food and fiber to families across America.

We make loans for:

Operating Lines of Credit

We offer loans with revolving and annual lines of credit for all of your day-to-day operational costs — fertilizer, seed, labor and more. Repayment schedules are flexible and can be tailored to coincide with your crop or livestock sales.

Equipment Loans

We make equipment loans for:

  • Tractors
  • Pivots & Irrigation Systems
  • Fleet Trucks
  • Implements
  • Specialty Equipment (cotton picker, sprayer, spreader truck, etc.)

Ask your local equipment dealer about quick and easy financing options through Farm Credit EXPRESS.

Farm Land Loans

Whether you are looking to purchase or refinance land we offer competitive, long term fixed-rates. See our Land Loans page for more information on getting a farm land loan.


We are specialists in financing livestock operations including: poultry, beef cattle, dairy and more. Repayment schedules can be tailored to coincide with your income schedule and operation's cash flow.

Farm Improvements

Whether you need to replace an old barn, put up fences, build a stable or install an irrigation system throughout your property, AgSouth Farm Credit is here to help finance all of your farm improvement needs.

Timber & Sawmill Operations

We understand what it takes to finance your investment in timber land. We have a staff who specializes in the industry. We have financing options for:

  • Purchasing timberland or standing timber
  • Buying sawmill equipment
  • Purchasing machinery, vehicles, and equipment
  • Making timberland improvements and reforestation

We provide loans for:

  • Farm Services & Supply
  • Hauling Services for Ag Products
  • Cotton Gins & Peanut Shellers
  • Pellet Mills & Saw Mills
  • Meat Processing
  • Storage/Custom Services for Ag Products
  • Marketing & Processing

Benefits of financing with AgSouth:

  • Loans structured to your needs
  • Flexible repayment plans
  • Lending staff specialized in financing agriculture
  • Share in our profits

Should you lease or buy? 

AgSouth Leasing may be an excellent alternative to buying equipment, shelters, and other specialized farm needs. Learn how leasing can help your farm.

Are your crops protected?

Let our full-time crop insurance agents answer all of your questions and build a policy to meet your operation's needs. 

Farm Financial Education

Check out our yearly AGAware® Workshops aimed at giving farmers the tools they need to make informed farming decisions. 

Short on time? Bookmark our farm financial blogs and read when you can! Includes a downloadable Farm Health Assessment Worksheet, Balance Sheet and Income Statement. 

Download & Edit: Farm Balance Sheet & Income Statement

Agaware logo

AGAware is a national award-winning program designed to promote and educate the next generation of young, beginning and small farmers.

Learn More



  • A young farmer is 35 years of age or younger
  • A beginning farmer has 10 or fewer years of farming, ranching or aquatic agricultural experience
  • A small farmer generates less than $250,000 in annual gross agricultural or aquatic sales

Loans for young, beginning or small farmers


AgSouth Farm Credit has a strong commitment to assisting young, beginning, and small (YBS) farmers with their financing needs.

We have been working with farmers for more than a century and understand the many difficulties involved in beginning a new farm operation, transferring an existing operation or expanding into new commodities or territories.

Our loan officers will be glad to review your situation and give you expert advice on the financial options that will best meet your needs. Contact your local AgSouth Farm Credit office.

Contact your local, trusted financial partner in the land, farm, and home buying process.