Agribusiness Loans

Services Include

• 24/7 Online Banking
• Sweep accounts
• Revolving lines of credit
• Hedge account loans
• Flexible capital debt schedules
• Financing for facility improvements, expansions, and new start-up capital
• Loan Types
• Warehouse operations
• Grain storage
• Cotton gins
• Agricultural products
• Agricultural supplies
• Equipment purchases
• Real Estate purchases
• Capital Markets

Often a loan may be too large or complex for a single financial institution to handle on its own, and that’s where Southern AgCredit’s capital markets team comes in.

By leveraging our collective capital base, we achieve the size and scale necessary to serve the needs of the capital intensive food, fiber and rural infrastructure sectors. Due to the size and complexity of these customers’ financing needs, most of our relationships are structured as syndications or participation arrangements with and through other financial institutions. We have established relationships with commercial banks, insurance companies, Farm Credit System banks and associations as well as other lenders across the country to serve our customers’ needs. Our philosophy is to build long-term relationships utilizing solid underwriting and relationship skills, providing our customers and partners top notch industry knowledge while utilizing fast and efficient processing practices and intelligent ongoing analysis and monitoring.

Industry Expertise

Southern AgCredit’s Capital Markets team has financing commitments all across the food chain, from basic production entities to businesses such as value-added processors, distributors or retailers. We have a strong capital base that can accommodate the needs of the smaller producer all the way up to large capitalization corporate clients. We maintain core competencies in several industries, primarily:

• Grain warehousing and farm supply
• Protein sector, including poultry, beef and dairy
• Wholesale and retail food distribution
• Sawmill operations and woodland holding groups
• Timber and forest products
• Rural infrastructure such as rural power, telecom and other utilities