Business Details
50+ Years
experience
Trusted Agricultural Loans and Rural Financing Services
First South Farm Credit has been a trusted partner in agricultural financing since 1916, dedicated to empowering rural communities across Alabama, Louisiana, and Mississippi. As a member-owned cooperative, we prioritize personalized service, offering tailored financial solutions that include land loans, agribusiness financing, and support for new farmers. Our century-long legacy reflects a commitment to innovation, reliability, and the prosperity of our members, who benefit from competitive rates, profit-sharing through patronage refunds, and a team of experienced professionals. We combine deep industry expertise with a client-centric approach, ensuring every borrower receives the guidance and resources needed to achieve their rural lifestyle goals. 
Services
Farm Loans
Land Financing
Agribusiness Loans
New Farmer Loans
Aquaculture Loans
Crop Production Loans
Livestock Loans
Timber Loans
Recreational Property Loans
Country Home Loans
Details
- Year established: 1916
Highlights and features
- We offer over 100 years of experience in agricultural financing.
- Our cooperative structure allows members to share in profits.
- We provide personalized loan solutions for rural property and agribusiness.
- Our team specializes in supporting new and small-scale farmers.
- We serve Alabama, Louisiana, and Mississippi with local expertise.
What people say
True professional
Stress-free process
Highly recommend
Amazing to deal with
Funded our family's dream
Services
Farm Loans
Farm Loans provide tailored financial support for crop production, livestock, and agribusiness operations. Designed for farmers seeking capital to expand or maintain their enterprises, these loans offer competitive rates and flexible terms. Our experienced team ensures streamlined access to funds, empowering sustainable agricultural growth.
Land Financing
Land Financing options cater to buyers of agricultural, recreational, or timberland properties. We offer customized loan structures with low down payments and long-term amortization. Our process prioritizes quick approvals, enabling clients to secure rural real estate critical to their farming or investment goals.
New Farmer Loans
New Farmer Loans assist first-time or small-scale farmers in acquiring land, equipment, or operational capital. These programs include educational resources and favorable terms to reduce entry barriers. We focus on nurturing the next generation of agricultural leaders through dedicated mentorship and financial guidance.
Agribusiness Loans
Agribusiness Loans serve companies in food production, processing, and supply chain sectors. These loans support equipment purchases, facility expansions, and working capital needs. Our solutions combine industry expertise with scalable financing to drive profitability for agricultural enterprises.
Aquaculture Loans
Aquaculture Loans fund fish farming operations, including pond development and hatchery equipment. Tailored to meet the unique cash flow cycles of aquaculture, these loans offer seasonal repayment options. We partner with borrowers to enhance productivity and sustainability in aquatic agriculture.
People
Josh Morgan
Loan Officer
Josh Morgan specializes in land financing, delivering professional and timely service for investment property acquisitions. He prioritizes clear communication and client satisfaction, ensuring a seamless loan process for first-time buyers and seasoned investors.
Maria Singleton
Loan Officer
Maria Singleton excels in agribusiness lending, simplifying complex loan processes with efficiency and expertise. Her client-focused approach ensures stress-free financing experiences, particularly for borrowers navigating first-time land or equipment purchases.
Todd Covington
Loan Officer
Todd Covington specializes in rural land loans, offering personalized guidance to buyers in Louisiana. His deep understanding of local agricultural markets helps clients achieve property ownership goals with minimal hassle.
Questions
What loan options are available for new farmers?
We offer specialized New Farmer Loans with flexible terms, educational resources, and low down payments to help first-time farmers acquire land or equipment.
Which states does First South Farm Credit serve?
We provide financing in Alabama, Louisiana, and Mississippi, focusing on rural communities and agricultural operations within these states.
How does the patronage refund program work?
As a member-owned cooperative, we distribute annual profits to borrowers based on their loan activity, offering a unique financial benefit to our members.
Can I finance recreational land purchases?
Yes, our Land Financing program includes recreational properties, offering tailored loan terms for hunting, timber, or vacation land acquisitions.
What agribusinesses qualify for financing?
We support food production, processing, and supply chain businesses, providing loans for equipment, facilities, and operational capital needs.