Farming is at the heart of our communities. We understand local agriculture and can help you get financing for operating, real estate, machinery, livestock, and more.
Agricultural Business Loans
For your farming operation.
Operating and Production Loans
Operating loans are set up to handle farming operation expenses. Each loan is tailored to your individual needs and requirements. Repayment is structured to match your marketing plan as well as current market conditions. With an operating loan you can take advantage of early pay discounts, manage income tax obligations, and generally ease your cash flow needs. Your loan account can be accessed by a phone call, mailed request, online banking, or at any of our banking locations. At Southern Bank, agriculture is a major part of our loan portfolio. We have the expertise to analyze the financial aspects of your operation to help its viability.
We understand that today's agriculture requires a large capital investment. With competitive interest rates and repayment terms tailored to your operation, we are ready to help you purchase that combine, tractor or whatever piece of equipment you need.
Real Estate Loans
Loans to purchase or refinance real estate are available with terms up to 20 years (longer under some government guarantee programs). Southern Bank participates in a variety of special loan programs designed to help your business, including the USDA Rural Development Authority loans.