Agricultural Loans

Financing for Rural Florida. For your Farm. For your Home. For your Lifestyle.

Farm Credit of Florida is the largest agricultural and rural lender in Florida. We know there’s a difference between nursery growers and cattlemen, and a house and a home. We understand that a part-time farmer who wants to have a few horses for his children, is very different from a large agribusiness looking to supply food or products to an entire region. We have a loan to fit every product.

Low rates, friendly service and the most knowledgeable staff around regarding rural lending - that's the Farm Credit of Florida advantage.

We are with you every step of the way throughout the lending process. From small tracts to large tracts, new construction to renovations, lot purchase to recreational properties – Farm Credit of Florida can do it all.

It’s always good to have options, and with Farm Credit the choice is yours.

Choose from our “Tried and True” Co-op Loan where being a member of Farm Credit means being a part of our patronage return. Or opt for our “One and Done” Loan featuring no annual review, annual clean up, or required annual financial statements. Either way, you get the benefit from working with an experienced local lender as well as a perk only Farm Credit can offer- No Doc Stamps or Intangible Taxes on any of our loans. Being a Farm Credit customer truly has benefits!

Compare our loan product options below and then CONTACT Farm Credit of Florida to get to speak with a relationship manager. Or skip all of the formalities and APPLY NOW.

The "One and Done" Loan	The "Tried and True" Co-op Loan
Minimum loan size of $50,000	No minimum loan size
Exempt from FL Doc Stamps and Intangible Tax	Exempt from FL Doc Stamps and Intangible Tax
10 year line of credit with no annual clean up, real estate secured	Lines of credit with up to 3 year terms. Annual clean up required.
No standard annual paperwork	Annual financial review
No prepayment penalties	No prepayment penalties
Up to 70% LTV on real estate	Up to 80% Loan to Value on various collateral options (can provide up to 95% financing with Government Agency partnership)
Term loans up to 30 year amortizations	Term loans up to 20 year amortizations
Do not have to be an Association member	Member of Farm Credit of Florida
Not eligible for patronage refund program	Eligible for patronage refund program
No geographic restrictions	Some geographic territory restrictions