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Small & Beginning Farm Loan Program

South Georgia Banking Company wants to partner with you to help grow your own business in agriculture. Whether you’re just getting started or classify as a small farming operation, we have the experience, financial tools, and competitive rates to help you succeed. Serving rural communities since our beginning in 1970, we are committed to providing the support and financing needed to grow your farm operation. We believe your success is our success and we are here to help you find the solutions you need.
A beginning farmer:
A producer who has at least one to two years’ experience or equivalent of farm apprenticeship but no more than 10 years of farming with their own capital at risk.


A small farmer:
A producer who has reported annual gross farm income less than $500,000.

  1. Farm/Ranch EQUIPMENT financing including Irrigation Equipment
  2. Real Estate Financing
  3. Crop Operating Lines of Credit

  • 100% Financing on Equipment less than 12 Years Old
  • Up to 7 Year Amortization on New or Current Year Equipment
  • 90% Financing on Equipment 12 Years Old or Older

  • Up to 85% Farm Real Estate Financing (Lesser of Purchase Price or Appraised Value)
  • Payments Based up to a 25-Year Amortization

  • Up to 70% Advance Rate on Traditional Row Crops
  • Up to 25% Advance Rate on Produce Crops

* Special Rates & Terms Apply. Subject to underwriting standards set forth by South Georgia Banking Company.