Loan Programs

Our rural lending cooperative offers financing for a variety of purposes. Our flexible loan terms include:

  • Repayment plans with terms from 1 to 30 years
  • Short-term operating loans and lines of credit
  • Adjustable or fixed interest rate plans
  • Monthly, quarterly, semi-annual or annual payment options to coincide with the operations’ cash flow
  • Customized loan packages to fit special situations, especially when it will increase loan availability to young, beginning and small farmers
  • Family needs loans to farmers, including young, beginning and small farmer loans


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Real Estate Loans

We offer long-term loans to purchase or refinance farmland, timberland, recreational property and other types of property. Construction loans to build, with a one-time closing and conversion feature.

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Poultry Loans

We have extensive expertise in poultry operations, and can finance poultry farms, poultry houses, processing facilities and equipment.

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Agribusiness Loans

Loans are available to meet the complex needs of agribusinesses such as poultry operations, feed mills, nurseries and agricultural processing enterprises. Financing can be used to purchase or refinance a business, build or improve facilities, buy equipment, manage operating expenses and more.

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Operating Loans

We can furnish the capital for your on-farm operating expenses such as feed, seed, fertilizer and veterinary costs, as well as finance your processing and marketing activities. Short-term loans and operating lines of credit are custom-tailored to match your normal production cycle.

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Equipment Financing

Alabama Farm Credit can finance tractors, planting and harvesting equipment, timber equipment, irrigation equipment and other machinery. Loans and leases are available for new and used equipment.

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Improvement Loans

When you need to build a barn, dig a well, level your land or install fencing, our improvement loans can help. Financing is available to make many types of improvements and repairs on your property.

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Livestock Loans

We offer financing for livestock purchases and other expenses for cow-calf, stocker, feedlot and other livestock operations.

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Residential Loans

Alabama Farm Credit can finance qualifying country homes and homesites for your residence or weekend getaway.