Business Details
50+ Years
experience
Your Trusted Partner for Agribusiness Financing Solutions
Southern AG Credit is a full-service, locally owned cooperative lender dedicated to supporting rural communities through specialized financing solutions. Established in 1916 as part of the national Farm Credit System, we have over a century of experience providing loans for rural land, agribusiness operations, farm equipment, country homes, and recreational properties. Our expertise extends to tailored financial products for livestock, poultry, row crops, and timberland, serving Mississippi and Northwest Louisiana with deep-rooted agricultural knowledge.As a customer-owned cooperative, we prioritize personalized service, offering flexible loan terms for young, beginning, and small farmers while maintaining a commitment to community development through scholarships and disaster relief initiatives. Our team of seasoned professionals combines financial acumen with hands-on rural expertise to deliver reliable credit solutions that empower agricultural growth and land ownership.
Services
Ag Insurance Solutions
Farm Credit Leasing
Cash Management Services
Farm Equipment Loans
Country Homes Financing
Poultry Farm Loans
Row Crops Financing
Livestock Loans
Young Farmers Program
Land Acquisition Loans
Details
- Year established: 1916
Highlights and features
- We offer over 100 years of specialized expertise in rural land financing.
- Our cooperative structure prioritizes customer-owners' interests through profit rebates.
- We provide flexible loan terms for young, beginning, and small farmers.
- Our insurance specialists focus exclusively on agricultural risk management.
- We maintain local offices across Mississippi and Louisiana for personalized service.
What people say
Personalized service
Community support
Expertise in rural financing
Flexible loan terms
Reliable partner
Services
Ag Insurance Solutions
Our ag insurance programs protect against agricultural risks including crop losses, livestock market fluctuations, and natural disasters. Specialized representatives provide tailored risk management plans using federally backed products like Revenue Protection and Livestock Risk Protection. We combine insurance expertise with lending experience to safeguard your working capital while ensuring compliance with USDA standards.
Farm Credit Leasing
Flexible leasing options for agricultural equipment and infrastructure with no down payment requirements. Our programs offer tax advantages through operating leases and structured payment plans that align with seasonal cash flow. We finance tractors, harvesters, storage facilities, and processing equipment while preserving capital for operational needs.
Cash Management Services
Integrated cash management solutions include AgriLine checking linked to credit lines, automated sweep accounts for excess balances, and mobile banking platforms. Our FastCa$h system enables remote loan payments and fund transfers while maintaining compliance with financial regulations and security standards.
Young Farmers Program
Specialized lending programs for farmers under 35 with less than 10 years' experience and $350k annual income. We offer flexible terms, educational resources, and partnership with USDA initiatives. Over 50% of our recent loans support beginning farmers through tailored financial planning and mentorship opportunities.
Land Acquisition Loans
Comprehensive financing for rural land purchases including working farms, hunting tracts, and country estates. We specialize in loans for timberland, pastureland, and recreational properties with flexible down payment options and long-term amortization schedules suited to agricultural investments.
People
Ken Hobart
Interim Chief Executive Officer
With decades of agricultural finance experience, Ken Hobart leads Southern AG Credit's strategic operations while maintaining active involvement in community agricultural initiatives.
Brent Barry
Chief Credit Officer
Brent Barry oversees all credit operations with 25+ years in rural lending, specializing in risk assessment for agricultural enterprises across Mississippi and Louisiana.
Britny Hester
Chief Financial Officer
CPA Britny Hester manages financial operations, ensuring regulatory compliance and fiscal stability while supporting cooperative profit distribution programs for member-owners.
Amanda Hudson
VP / Chief Information Officer
Amanda Hudson leads technology strategy, implementing secure digital banking solutions and data systems that enhance customer access to agricultural financing tools.
Troy Peters
Chief Appraisal Officer
With specialized expertise in rural property valuation, Troy Peters ensures accurate asset assessment for land and agricultural equipment financing across our service region.
Questions
What types of agricultural loans do you offer?
We provide loans for land purchases, farm equipment, livestock, poultry operations, row crops, timberland, country homes, and agribusiness ventures.
Do you offer financing for beginning farmers?
Yes, our Young, Beginning, and Small Farmer Program offers specialized loan terms for new agricultural entrepreneurs with less than 10 years' experience.
What insurance products are available?
We offer crop insurance (APH, RP, WFRP), livestock risk protection, hail insurance, and pastureland coverage through specialized agricultural insurance programs.
How does equipment leasing work?
Our leasing program provides 100% financing with no down payment, flexible payment schedules, and tax advantages through operating lease structures.
Are scholarships available for agricultural students?
We award annual scholarships to students pursuing agricultural degrees, with over $30,000 distributed annually to Mississippi and Louisiana residents.
What cash management tools do you provide?
We offer AgriLine checking linked to credit lines, automated sweep accounts, and mobile banking solutions for efficient farm financial management.
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Reviews (2)
Tommy Beyl
Dec 10, 2020
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I've participated in nearly a dozen real estate transactions in Mississippi (as a non resident) over the last several years. A 1/2 dozen times I've utilized Southern Ag Credit as my lender. I must say, they make it easy. If there's a more professional, helpful, efficient lending institution out there, I haven't found it! Borrowing relatively large amounts of money us stressful enough, its nice to know you have a lender that properly managing the details, thus lowering that stress.
Austin Bean has always been professional, helpful, and easy to work with. I mean, when someone comes to your kitchen
Austin Bean has always been professional, helpful, and easy to work with. I mean, when someone comes to your kitchen
Matthew Morgan
Oct 04, 2020
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Critical:Professionalism
Would not recommend at all, Austin is very unprofessional and disrespectful. Poor service, take the time to find a more helpful establishment.
Would not recommend at all, Austin is very unprofessional and disrespectful. Poor service, take the time to find a more helpful establishment.