Who We Serve

Farm Credit of Northwest Florida serves farmers, ranchers, and rural homeowners as well as farm-related businesses.

Farm Credit of Northwest Florida provides financing to farmers and ranchers in Northwest Florida. We serve a wide spectrum of agriculture including: young, beginning, small, minority and part-time farmers, traditional producers, multi-family commercial operations and large, vertically integrated operations.

Full-time Farmers

For the individual whose primary business (over 50% of assets and income) is the production of agricultural products, Farm Credit can lend for all agricultural and family needs, as well as non-agricultural needs, including automobiles and trucks, education expenses, home improvements, vacation expenses, and much more.

Part-time Farmers

For the individual who owns agricultural land or produces agricultural products, but the agricultural operation represents less than 50% of the total business, Farm Credit can lend for all agricultural and family needs. Non-agricultural needs are limited relative to the agricultural income.

Young, Beginning, Small, or Minority Farmers

Who Says You Can't Start Farming Now?

If you’re dreaming of a future in farming, Farm Credit can help make it a reality. We know how to help young, beginning, small, and minority (YBSM) farmers build their future. 

Farm Credit has what it takes to move your farming ideas from the field of dreams to reality. Whether it’s peanuts or soybeans, ornamentals or cattle, no one understands the challenges and dreams of America’s future farmers better than Farm Credit.

Farm Credit has loans and financial services to offer entrepreneurs just like you. We have flexible loan terms and work closely with government agencies and other organizations, to structure loans to fit the needs of YBSM farmers. We also support programs, educational activities and special events that benefit YBSM farmers and offer insight into the exhilarating world of an agricultural startup with big plans for the future.

Are you a Young, Beginning, Small, or Minority Farmer? 

Farm Credit has provided the seed money for many YBSM operations. For many of these farmers, ranchers, and growers, Farm Credit is their lender of choice from startup through growth and into maturity of the business. 

Our loan officers understand agriculture and the challenges involved in a new farming operation, transferring an existing operation, or expanding into new commodities or markets. 

You may quality if you are:

• Young - 35 years of age or younger on the date of loan closing
• Beginning - 10 years or less of agricultural experience
• Small - Generates less than $250,000 in annual gross agricultural or aquatic sales
• Minority - American Indian or Alaskan Native, Asian, Black or African American, Native Hawaiian or other Pacific Islander, a person whose ethnicity is Hispanic or Latino, regardless of race, and women.  Minority borrowers must own at least 51% of the operation
  

Farm Loan Products

Whether it’s financing new equipment or setting up a line of credit for your farming needs, Farm Credit understands the challenges of farmers. You’ll find loan officers who specialize in financing all types of farming operations. They understand the complex needs and demands of a successful operation and are committed to your success.

We provide loans for:

• Agriculture real estate
• Country homes
• Farm improvements - fences, barns, or other buildings 
• Purchasing machinery, equipment, cars, and trucks
• Refinancing farm debts
• Operating lines of credit for farms
• Livestock and equine purchases
• Agribusinesses  

Country Mortgages and Home Loans

No Other Lender Understands Rural Living The Way We Do

There are so many things to consider with rural property. Like where to find the land, which lender to call, and knowing how much you can afford. No other lender understands rural living the way Farm Credit does. From home improvements to equipment loans, construction or refinancing, we can finance everything you need for your land and your lifestyle.

At Farm Credit, we offer loans that can be used for a variety of purchases ranging from single-family homes to large tracts of land. If you’re planning on building, landscaping, improving, or renovating property you already own, Farm Credit can help.

With our expertise, Farm Credit is able to offer specialized financial services just for you:

• Acreage is no problem; we finance large and small tracts of land. 
• We can finance land with homes, building sites, and renovations of existing homes on acreage. 
• We offer competitive interest rates and loan terms. 
• Our customer service team is experienced, knowledgeable, and dedicated to serving you. 

At Farm Credit, we are committed to seeing rural America thrive. After nearly a century of lending money for homes and farms in the country, we’ve become the experts in rural financing.

Financing For The Equipment You Need To Keep You Growing

Farm Credit of Northwest Florida is part of the national Farm Credit System which was created in 1916 to form a network of banks and associations to serve agriculture and rural America. Farm Credit specializes in financing equipment. Our experienced loan officers understand the complex needs and demands of a successful operation and are committed to your success.

We provide loans for:

• New and used equipment
• Planting and harvesting equipment
• Tractors, sprayers, and other specialized equipment
• Pumps and irrigation systems
• Trucks and trailers
• Buildings and storage facilities

Flexible Options

Farm Credit offers flexible terms, including:

• Prime, Libor, and fixed interest rate options
• No prepayment penalties
• Repayment plans to fit your operation

Ask your loan officer for more information about our equipment loans.

Agribusiness Lending

Farm Credit can lend money to businesses which process and/or market agricultural products, provided more than 50% of the business is owned by farmers and those owners provide some of the "throughput." Farm Credit can also lend money to businesses that provide services to farmers (such as crop spraying, seed cleaning, cotton ginning, etc.). The extent to which financing can be provided is based on the amount of the business's total income that is from farm-related services.

We offer specialized financial products and specialized knowledge for just about every agricultural related industry. Contact us today to learn more.