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If you've been in agriculture for longer than a year, you already know it takes money. Regardless of size, farming takes thousands of dollars just to cover annual operating costs. Then you have to deal with worn-out equipment, capital improvements to your operation, or expansion. The bottom line is that the great majority of farmers need to borrow money at one time or another.

When you borrow at Southwest Georgia Farm Credit, you can lower your interest expense through patronage refunds - so you pay less for the money you use. We have a full range of flexible payment plans that allow you to pay monthly, quarterly, semi-annually or annually, and each has an account draft option.

We don't sell checking accounts, savings accounts, CDS or trust services. We don't require compensating balances when you establish a long-term loan with us. Our job is to provide credit to rural America.