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Livestock

Livestock Loans

You’ve got the land. You’ve got the equipment. Southern AgCredit can help you grow in more ways than one. From cattle to catfish, poultry stock and more – count on our livestock loans and expertise to help your farm remain successful.

Cow-Calf Loans

  • A cow-calf loan may be made on a term loan basis for a period not to exceed 5 years.
  • Cow-calf loans can also be financed through an operating loan with an annual maturity.
  • Collateral will normally consist of all cattle owned by the operator to include the calf production of the cattle.
  • Financing up to 70% loan to value.
  • Repayment will be expected from sales of the livestock collateral with full proceeds being applied to the debt.

Feeder Livestock Loans

  • These loans may be used for the purchase and feeding of livestock. (Normally taking place in a custom feeding facility where stock is sold to packers at the end of the feeding period.)
  • Primary collateral will consist of a first lien on all stock, and prepaid feed financed.
  • Financing up to 70% loan to value.
  • Repayment will be expected from sales of the livestock/collateral with full proceeds being applied against the debt.

Feedlot Operations

  • Financing such a facility can be for normal operating expenses, purchase of stock owned by the feedlot, procurement, construction, expansion or improvement to the facility, and funds to finance the purchase and feeding of livestock for customers.
  • Primary collateral will normally consist of a first lien on the asset(s) financed (i.e. all stock, feed, inventories and accounts receivable).
  • Repayment will be expected from sales of the livestock/collateral with full proceeds being applied against the debt.

Stocker Cattle Loans

  • Stocker cattle loans consist of cattle purchased for seasonal grazing, including operating expenses associated with the pasturing of those cattle.
  • Financing up to 80% of the cost of the cattle.
  • Repayment will be expected from sales of the cattle/collateral with full proceeds being applied against the debt.

Operating Lines of Credit

When it comes to agriculture, cash flow is king! Make sure you’re prepared for anything with a Southern AgCredit Operating Line of Credit that fits the way you do business. Our solutions for operating needs are customized which is why we give you a choice of operating loans to purchase inputs and pay expenses. Our operating loans are designed to fit the way you produce and market. Our lending experts can help you find the right operating loan for you.

Flexible Terms & Payment Options

Operating loans are short-term loans used to finance daily business operations. You can access your loan funds 7 days a week, 24 hours a day. Funds may also be withdrawn online, by phone, and by visiting one of our offices. Variable, fixed, and adjustable interest rates are available to allow you the flexibility to manage interest rate risk. We’ll develop a plan and maturity that fits your cash flow and production cycle.

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Contact Southern AgCredit to learn more about financing your livestock business. 

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