Due to the COVID-19 situation, our offices are open, but by appointment only. We will, however, continue to fully operate. Please contact us by phone or email with any questions. Payments can be made through Ag Banking Online or by placing payments in the branch mail drop. Read More on our COVID-19 webpage

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YBS

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 FAQ 

Rise and shine with financing from Alabama Ag Credit. Whether you’re just starting out or expanding your operation, we have the expertise in agriculture and rural financing to help you succeed.

Because the future of American agriculture depends on a new generation of ag producers, we offer a program with flexible underwriting to accommodate the unique needs of young, beginning and small (YBS) farmers.

Our New Generation Loan Program makes our agricultural loans and land loans available to creditworthy YBS applicants. This program is designed to encourage lifelong lending relationships. In fact, most of our borrowers fall under one or more YBS categories.

New Generation financing is available for:

  • Land purchases, improvements and refinancing
  • Agricultural production expenses
  • Livestock purchases and expenses
  • New and used equipment

To learn more about our New Generation Loan Program, including requirements and limitations, please contact the Alabama Ag Credit location near you.

Apply now

Eligibility

  • The New Generation Loan Program is open to farmers, ranchers, and producers or harvesters of aquatic products who meet YBS criteria:
    • Young: Age 35 or younger
    • Beginning: One who has assumed the control and risk of an agricultural operation for 10 years or less
    • Small: Less than $250,000 in gross annual farm sales
  • The borrower must be the farm’s or property’s sole owner/operator.

Alabama Cooperative Extension Resources

Available at the touch of a finger, the Farming Basics app from Alabama Extension is a science- and research-based information gateway for small and beginning farmers. The app will serve as a pocket guide to help growers answer everyday questions in the field.

There are also several learning videos for beginning farmers on the Alabama Cooperative Extension's YouTube Channel Beginning Farm Project.

Download the Alabama Extension Farming Basics app where ever apps are sold. Download via Google Play. Download for iOS.

Contact us

Rise and shine with financing from Alabama Ag Credit. Whether you’re just starting out or expanding your operation, we have the expertise in agriculture and rural financing to help you succeed.

Because the future of American agriculture depends on a new generation of ag producers, we offer a program with flexible underwriting to accommodate the unique needs of young, beginning and small (YBS) farmers.

Our New Generation Loan Program makes our agricultural loans and land loans available to creditworthy YBS applicants. This program is designed to encourage lifelong lending relationships. In fact, most of our borrowers fall under one or more YBS categories.

New Generation financing is available for:

  • Land purchases, improvements and refinancing
  • Agricultural production expenses
  • Livestock purchases and expenses
  • New and used equipment

To learn more about our New Generation Loan Program, including requirements and limitations, please contact the Alabama Ag Credit location near you.

Apply now

Eligibility

  • The New Generation Loan Program is open to farmers, ranchers, and producers or harvesters of aquatic products who meet YBS criteria:
    • Young: Age 35 or younger
    • Beginning: One who has assumed the control and risk of an agricultural operation for 10 years or less
    • Small: Less than $250,000 in gross annual farm sales
  • The borrower must be the farm’s or property’s sole owner/operator.

Alabama Cooperative Extension Resources

Available at the touch of a finger, the Farming Basics app from Alabama Extension is a science- and research-based information gateway for small and beginning farmers. The app will serve as a pocket guide to help growers answer everyday questions in the field.

There are also several learning videos for beginning farmers on the Alabama Cooperative Extension's YouTube Channel Beginning Farm Project.

Download the Alabama Extension Farming Basics app where ever apps are sold. Download via Google Play. Download for iOS.

Sponsorship and Donations

Alabama Ag Credit is committed to supporting the state’s new generation of producers. Whether it’s a 4H member buying a show heifer for a foundation herd, a young person taking over the family farm, or an older couple investing in a new ag venture, we applaud their efforts. We sponsor or donate to numerous organizations that help educate young and beginning farmers. These organizations include:

  • 4H
  • FFA
  • Alabama Council of Cooperatives’ Youth Conference
  • Farm Credit System Foundation
  • Farm-City Week programs
  • Agriculture trade shows and commodity tours
  • Alabama Agriculture and Forestry LEADERS Program
  • Alabama Agribusiness Council
  • Alabama Young and Adult Farmers
  • Alabama Extension Service Records and Analysis Group

For more information on Sponsorships and Donations, contact:
Amber.Pratt@AlabamaAgCredit.com

New generation

Sponsorship and Donations

Alabama Ag Credit is committed to supporting the state’s new generation of producers. Whether it’s a 4H member buying a show heifer for a foundation herd, a young person taking over the family farm, or an older couple investing in a new ag venture, we applaud their efforts. We sponsor or donate to numerous organizations that help educate young and beginning farmers. These organizations include:

  • 4H
  • FFA
  • Alabama Council of Cooperatives’ Youth Conference
  • Farm Credit System Foundation
  • Farm-City Week programs
  • Agriculture trade shows and commodity tours
  • Alabama Agriculture and Forestry LEADERS Program
  • Alabama Agribusiness Council
  • Alabama Young and Adult Farmers
  • Alabama Extension Service Records and Analysis Group

For more information on Sponsorships and Donations, contact:
Amber.Pratt@AlabamaAgCredit.com

Contact us