Farm Loans

We're as passionate about farming as you are.

Farm loans are easy with a Relationship Manager by your side. We focus on quick loan approval, flexible payment schedules, and the expertise that comes with understanding agriculture, for decades. 

We are proud to support America’s farmers, those who work, live, play and grow right here in southwest Georgia. Your commitment to provide the World’s food and fiber is unwavering. That’s why we support your farming operation when times are good, and when they’re not, sharing our profits along the way. In fact, we are the only agricultural lender that returns a portion of our profits to those who do business with us. 

Farm Land Loans

Purchasing or refinancing land for your agricultural operation? We offer competitive, long-term fixed rates.
peanut field

Operating Lines of Credit

We offer loans with revolving and annual lines of credit for all of your 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 purchasing equipment fast and easy with Farm Credit Express. Our equipment loans are for tractors, pivots & irrigation systems, fleet trucks, implements and specialty Equipment, like cotton pickers, spreader trucks, sprayers, and more!
cotton combine


No matter the livestock operation you have, we have the expertise to finance it. We finance poultry, beef cattle, dairy and more. Repayment schedules can be tailored to coincide with your income schedule and operation’s cash flow.

Farm Improvements

Need new fencing? Replacing an old barn? Building a stable? Installing an irrigation system? Southwest Georgia Farm Credit can assist you with financing all of your farm improvement needs.
White fencing

Timber and Sawmill Operations

Expertise in timber financing is essential. You can rely on us to understand your goals and objectives. We have financing options for purchasing timberland or standing timber, buying sawmill equipment, purchasing machinery, vehicles and equipment and making timberland improvements and reforestation.


Not every lender is uniquely positioned to understand the financing needs of agribusinesses. Our team does, providing loans for farm services & supply, meat processing, marketing & processing, cotton gins & peanut shellers, pellet mills & saw mills, hauling services and storage/custom services for ag products.

Farm Credit is committed to the future of agriculture

Whether you are just starting out as a farmer or entering into the farming industry, the first couple of years can be difficult. You are focused on running your operation the right way and growing your business. It takes having a knowledgeable, financial expert by your side who can help you work through some of the important issues you’ll face. We specialize in helping new, beginning, and first-time farmers like yourself, to make responsible financial decisions that work with your cash flow. Our farm loans for new farmers come with benefits and a Relationship Manager for the support and knowledge that you need to be successful.

Considering a lease?

Southwest Georgia Farm Credit Leasing may be an excellent alternative to buying equipment, grain bins, warehouses and other farm needs. Learn more about how leasing can help your farm grow, and your bottom line.

The Farm Credit advantage:
We share our profits.

When you do business with Farm Credit, you become a member. As a cooperative, we return our profits to those who borrow from us.

*Patronage distributions are at the discretion of the Board of Directors.

Patronage Calculator


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

*Results based on 10-year average refund totals. 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.

Ready to get started?

Reach out using the form below, or give us a call at 229-493-0921.