Alabama Ag Credit: A Partner in Every Season

You’re not alone. Our team at Alabama Ag Credit is committed to our borrowers in the good times and the bad. We’ve been in the business long enough to know that even the most diligent and faith-filled farmers face hard times. Market volatility, input prices, weather uncertainty, and unpredictable yields can make even the most seasoned farmer worry about the days ahead. Financial struggles are some of a farmer’s biggest stressors, and over time, that stress can impact mental health and emotional wellbeing for farmers and their families.

In those difficult moments when our borrowers feel overwhelmed or uncertain about the future, we want them to know they do not have to face those challenges alone.

Alabama Ag Credit has dedicated staff who specialize in distressed loan situations. Our team believes that every farmer or landowner deserves a plan that is as unique as their operation. We know one size doesn’t fit all. Our team is committed to building personal relationships that allow them to create a path forward.

Before plans are made, the team wants customers to have an opportunity to openly talk about their situation and how Alabama Ag Credit can help them hold on to what matters most to them. The team emphasizes a customer-first attitude and is available to help work through scenarios that may provide families with breathing room during difficult seasons. In addition, our distressed loan officer works as a borrower advocate to the executive loan committee, bringing real understanding and empathy to the loan restructuring process.

Moving past a difficult situation will require dedication, persistence, and support. Our team has worked with many farm families to restructure successful loans and help operations regain stability. Although the load can feel heavy, our customer base is strong and resilient – much like the way of life that many of them choose.

Farm Credit was created to support American farms, and at Alabama Ag Credit, we take that responsibility seriously. We know your land and your way of life mean everything to you.

May is Mental Health Awareness Month, but farm stress is not confined to one month or season. As your friendly local lender, we are here to support you because when you feel better, you farm better. 

We encourage farmers and rural families to check in on one another, see support when needed, and remember that asking for help is a sign of strength.

Don’t carry the load alone. If you or a loved one need access to this service, please reach out to your loan officer for more information. ​​​​​​​