Operating Loans Alabama

We understand that life can be unpredictable. That is why we provide operating loans that can sustain you through a natural disaster or change in the market. Get started by completing our loan application or contact an Alabama Farm Credit loan officer at (877) 681-6087 or reach out to one of our branch offices. 

Loan Application

About Our Operating Loans

Alabama Farm Credit operating loans are available to finance ongoing, non-capital operating expenses like feed and seed, and short-term operating expenses due to natural disaster or crop failure. We can also help members take on additional operating capacity, such as planting more acreage.

Experience Matters

For over 100 years, Alabama Farm Credit has stood beside Alabama’s farmers. Our track record of keeping Alabama farms running through tough times and growing through periods of prosperity speaks for itself.

Staying Power

The weather, the markets and, by its nature, agriculture, is expected to do what’s unexpected. That’s why we’re here to give members the financial support needed to be nimble and opportunistic in the face of change.

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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.

Get Quote
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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

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.
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.
Whether you are a  young, beginning or small farmer or a large corporation, Alabama Farm Credit can meet your financing needs. When assessing a loan application loan officers consider these primary factors: the individual, financial responsibility, repayment capacity, loan purpose and security offered.
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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

Alabama Farm Credit Out in the Field

Learn more about Alabama Farm Credit, our members and the work we do for Agriculture in our communities.

Field Notes

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