Row Crop Loans

Loan Application

About Our Row Crop Loans

The USDA estimates that row crops make up more than 75% of all planted acres of cropland across the US. In addition, these farms are home to food, such as corn and potatoes, and materials, such as cotton, that are essential to American life. At Alabama Farm Credit, we view row crop farms as critical to the local and national economy and want to help farmers maintain healthy and productive row crop farms.

Being an American row crop farmer means a lot of moving parts. Rotating crops, expanding your operation, and leasing land all come with expensive costs. Luckily, we can help with the financial stresses of operating a farm. At Alabama Farm Credit, we understand that row crop farming is all about cash flow and will help businesses grow and operate by providing needed and customized loans. Our experienced professionals will work for you and provide customized financing options to keep your business thriving.

Row Crop Loans

If you are in the row crop business, Alabama Farm Credit can provide finances that will help keep up with the demands of the industry.

We will provide loans for purchasing and constructing properties engaged in row crop farming. Additionally, we offer loans to businesses looking to buy equipment or improve an existing farm. Alabama Farm Credit works to support farmers of all backgrounds. Not only do we help established farms stay afloat, but we also provide loans to young, aspiring farmers who are just starting. It is our goal to sustain and expand the farming industry in America.

Our knowledgeable staff have years of experience to help understand each person's unique situation. This gives Alabama Farm Credit the capability to customize row crop financing options based on your needs.

How to Get a Row Crop Loan

As a financial cooperative, Alabama Farm Credit is owned by borrowers and operated by a local board of directors. Therefore, we will always put our borrowers first. Securing a row crop loan is simple when working with Alabama Farm Credit.

To begin the process, apply to our website or submit your loan application by mail. If you wish to consult with one of our professionals about applying for a loan, contact us, and we'll provide guidance.

Working with us means that your farm is in good hands. We look forward to working with you.

Estimate Your Loan Payment

Input your purchase price and interest rate, and quickly estimate your loan payments.

Loan Calculator

Competitive Interest Rates

To receive an interest rate quote, contact the branch office nearest you.

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Frequently Asked Questions

We’ve curated the top questions we’re asked most often. If you are unsure about our services, how a cooperative works or other details, you may find the answer you’re looking for right here.

More FAQs

Farmers, ranchers and producers who obtain a loan are required to purchase voting stock. Our borrowers are considered members of Alabama Farm Credit, and have the privilege of being a voice within the cooperation. Your right to vote, in accordance with the Farm Credit Act and Alabama Farm Credit bylaws, allows you to elect the members of your Board. These members work closely with Alabama Farm Credit to ensure that your needs are addressed.

Anyone owning or purchasing rural property. Those engaged in farming, timber or other ag-related businesses may also be eligible. This includes individuals, partnerships and corporations. Additionally, loans may be obtained for financing part-time farms, rural residences or recreational property. Loan approval and terms are subject to the creditworthiness of the applicant(s) and the collateral offered.

Yes, we make loans for the purchase, construction and improvement of homes located in rural areas. We also finance rural homesites where a home is designated for future construction.

YOUNG BEGINNING AND SMALL FARMERS

We’ve created a pathway to ownership for young, beginning and small farmers.

At Alabama Farm Credit, we recognize that the future of American agriculture depends on a new generation of producers. Whether you’re completely new to farming, a 4-H member buying a show heifer for a foundation herd or a young person taking over the family farm, our New Generation II Loan may be what you’re looking for.

Find Out Who's Eligible