AgAmerica Cares: Supporting the Arbor Day Foundation

AgAmerica celebrates the wonder of trees this Arbor Day by once again supporting an important Arbor Day Foundation undertaking: the reforestation of native habitats.

National Arbor Day is April 28th, and it’s a day to celebrate the importance of trees. Arbor Day is implemented by the Arbor Day Foundation, and it has been celebrated since the late 1800s. See how AgAmerica marks the day by supporting the efforts of the Arbor Day Foundation, and how you can help too.Read More

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AgAmerica Team Member, Doug Moore, Putting the ‘Timber’ in Timber Land Loans

Explore how AgAmerica employee Doug Moore will use his background to help timber farmers and managers investigate their options for timber land loans.

Have you ever heard someone say they have agriculture in their blood? AgAmerica’s newest Loan Processor, Doug Moore, has timber in his veins and plans on ensuring the timber land loans division of AgAmerica is a busy one.Read More

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AgAmerica Recaps the World Forestry Conference

The World Foresty Center in Portland, Oregon, once again hosted the ‘Who Will Own the Forest?’ Conference focusing on timber investment in the U.S. and abroad.

Timber in the U.S. and in overseas markets was the focus of the Who Will Own the Forest? Conference, held September 20-22 at the World Forestry Center in Portland, Oregon. The event brought timber investors together to explore domestic and overseas institutional timberland investing. AgAmerica Lending’s President/ CEO Brian Philpot attended the event. In its 12th year, the conference focused on important topics in the timberland industry.  Find an overview below.Read More

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AgAmerica Lending: 4 Ag Loan Types

With 100 years of combined ag lending experience, AgAmerica Lending is committed to helping farmers and ranchers create successful businesses. Whether you are looking to upgrade equipment, purchase livestock, or inject working capital into your operation,  AgAmerica’s lending program has the unbeatable ag loan rates and unparalleled service that you deserve.

 AgAmerica loans cover all facets of farming, from smaller blueberry farms to vast cattle ranches. When it’s time to plant your next row crop, expand your citrus groves, plant timber or start buying more cattle, these farm loans are a great option.


  • Farm Real Estate Loans (including Timberland loans)
    If you need to purchase land or refinance existing debt, we offer agricultural real estate loans with repayment plans designed to align with your individual needs. Various terms, payment plans, etc. are available!
  • Ag Operating Lines
    If you are operating a farm and need a production line of credit, look into our operating line for all types of livestock and crop operations.
  • Term Capital Improvement Loans
    Do you need to replace or revitalize your agriculture property or make improvements? We can work with you to reach your agriculture goals.
  • Equipment Loans
    Need help financing new or used equipment for your farm or ranch? Using the equity in your land, we’ve got you covered! We offer fixed rate or adjustable rate agriculture financing with flexible repayment plans designed to fit your income stream.


Interested? Questions? We want to hear from you! Contact us. 

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AgAmerica Lending Finances a $600k Citrus Loan

Recently, AgAmerica Lending funded a $600k citrus loan. By taking a global look at a Florida borrower’s finances, AgAmerica was able to finance his citrus operation’s resets and improvements.

Through its special Transitional Lending Program, AgAmerica provided this citrus grower financial support when no other banks could, allowing him to use the equity in his grove to expand his agricultural operation.


AgAmerica understands that many solid, successful individuals or businesses face situations or opportunities the do not fit easily into the rigid structure of institutional lending. That’s why AgAmerica Lending offers the Transitional Lending Program – a program designed to provide non-conventional, fixed or floating-rate bridge loans on the following asset classes:

  • Vacant Land – Ag Loans and Timberland Loans
  • Investment Real Estate Loans
  • Commercial Real Estate Intermediate Loans
  • Other Consumer Loans secured by approved collateral
  • Refinance/Debt Consolidation


These asset-based loans, often called “hard money” loans, are based on collateral and can be used for a variety of purposes, including funding new real estate projects, paying off loans, or securing opportunities quickly. The low documentation process is often less time consuming than a standard bank loan and can be processed in as little as a week! Depending on lending needs, the loans can be accessed through an equity line or in a lump sum payout.

Like with all of its loans, AgAmerica’s Transitional Lending Program strives to provide a personal, responsive service to all customers. With its own extensive experience buying, selling, and managing agriculture land, AgAmerica understands the ins and outs of ag lending. The staff includes employees whose own farming histories stretch back generations. Suffice it to say,  AgAmerica not only offers ag lending solutions, but supportive, professional long-standing relationships as well.

Need cash to expand your citrus operation? Contact AgAmerica to discuss your farmland financing solutions! 

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Christmas Tree Farming 101

Oh Christmas tree. Oh Christmas tree.

‘Tis the season!

Ever wonder how your beautifully decorated tree made it into your living room?

Probably not.

But make no doubt about it, it wasn’t a quick, painless process.

Growing Christmas trees is no easy venture. In fact, it is a rather long-term (5-10 years) agricultural venture, requiring a great deal of skill, financial backing, and work.

Before you even fantasize about launching a Christmas tree operation, fully understand the requirements:

  • A sufficient plot of suitable land.
  • A suitable tree species for the land.
  • Strategic site preparation and planting, including an optimal layout of fields and farm roads to reduce risk of pest problems and to lower harvesting costs.
  • A good deal of capital.
  • Sufficient and periodic labor.
  • Special agricultural equipment.
  • Intensive care, including mechanical mowing, shaping, shearing, pruning, and pest control during the growing season to produce a quality product.
  • Integrated pest management, implementing effective cultural practices and pesticide applications to limit pest issues.
  • Optimum fertilization, complete with nutrients that are more resistant to pest issues and environmental stresses.
  • Water quality management to protect sedimentation and contamination by fertilizers or pesticides.
  • Proper groundcover management.
  • Solid record keeping, including a map of the farm layout complete with information on fields, roads, topography, drainage systems, species and number of trees per field, and planting dates clearly reported.
  • A long-term plan and budget to support this long-term, expensive endeavor.


Interested in Christmas tree production? Want to diversify your Christmas tree farm? Call on us here at AgAmerica, an ag lending company with years of lending experience. Through our AgAmerica Lending Program we offer ag loans covering all facets of farming, from smaller hobby farm loans to larger timberland loans. When it’s time to plant your next row crop, expand your Christmas tree farms, or plant timber, these agricultural loans are a great choice!


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Reasons to Refinance Your Ag Loan

There are various reasons to consider refinancing an agricultural land loan:

  • Lower monthly payments.
  • Receive lower interest rates.
  • Alter the maturity of your farm loan.
  • Options for flexible payments.
  • Change from an adjustable to fixed-rate ag loan.
  • Grow your agricultural operation.
  • Enhance your property.


What’s more, many traditional lenders will refuse to refinance agricultural land loans – even when they have financed an existing or previous loan. Conventional lenders continue to implement rigid ag lending requirements, thus forcing new and existing borrowers to seek refinancing elsewhere.

Some typical reasons traditional lenders refuse to refinance farm or ranch loans:

  • Schedule F Income
  • Manufactured Housing
  • Ag-Exempt Status
  • Home to Land Value Ratio
  • Ag Zoning Restrictions
  • Poor Credit


Through our lending Program, AgAmerica Lending is well-equipped to refinance ag loans that other conventional lenders refuse. Refinancing agricultural real estate is unique from other types of conventional financing. Because AgAmerica  specializes in these loan types, we are aware of all the logistics and nuances involved, and are better able to cater to the needs of farmers desiring farmland financing and refinancing.

Some of the agricultural loans we offer include:

  • Commercial farm loans
  • Ranch loans
  • Hobby farm loans
  • Timberland lands
  • Citrus loans


AgAmerica Lending is committed to getting to know all of our customers. We are here to gain a comprehensive understanding of your business intentions, answer any and all questions, guide and inform you throughout the entire farmland financing process, and of utmost importance, discover the ag loan that is right for you.

Contact us  to be in touch with one of our knowledgeable staff members within one business day. or 844-516-8176

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Recently, here at AgAmerica Lending, we funded a quick, turnaround bridge loan of $600,000 to get a South Florida watermelon farmer the funding needed to jump-start his agricultural operation. Through our special Transitional Lending Program, we were able to provide the fast and flexible funding this farmer needed to kick off his watermelon season and get to planting on schedule!

What is our Transitional Lending Program?

Our Transitional Lending Program provides funding from $100,000 to $100 million and allows borrowers, such as this watermelon farmer, the ability to receive the fast and flexible funding needed when opportunities or situations arise. The low documentation process is often less time consuming than a standard bank loan. For example, this recent loan, traditionally taking up to six weeks or more to finance, took us approximately four weeks to finance.

We offer our Transitional Lending Program for non-conventional, fixed or floating-rate bridge loans – often called “hard money” loans – on the following asset classes:

  • Vacant Land, including Ag and Timberland Loans
  • Investment Real Estate Loans
  • Commercial Real Estate Intermediate Loans
  • Other Consumer Loans secured by approved collateral
  • Refinance/Debt Consolidation


Managed by a skilled team with over 80 years of combined ag lending experience, we have the strong loan underwriting and property appraisal experience to ensure that financing is completed in a swift, steadfast fashion. Depending on the type of ag loan, funding can take as little as one to three weeks to complete. Rest assured, we offer real financing solutions when time is of the essence!

As a licensed Florida Mortgage Lender and licensed Florida Consumer Finance Company, AgAmerica Lending accepts, underwrites, funds, and services the loans it makes. AgAmerica provides a variety of loan products, including conventional agricultural real estate loans through its AgAmerica Lending Program and non-conventional, fixed or floating-rate bridge loans  through its Transitional Lending Program. To discuss our agricultural loans or refinancing options visit or 844-516-8176

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Reasons to Invest in Timberland

I’m sure you’ve heard this long-standing saying: “Land—no one can make it.” The implication here is that land is a limited resource. Though limited, it is a resource that is in constant demand, especially as the population and commercial development expands.

As an investment, land offers individuals the opportunity to expand their portfolios with a solid income-producing asset. Sooner or later, purchased land will increase in value. Sure, it won’t do so in a predictable way like a cash savings account building interest, but it will grow in value eventually. As it does, you can use it. You can build on it, farm on it, hunt on it, log on it, and/or use it for recreational purposes. The uses are limitless and the economic advantages are strong.

Sure, you can purchase any land you desire and do with it as you fit, but I’m sure you want to discover wealth-building opportunities.

One such wealth-building option is direct investment in commercial timberland. In fact, timberland investment returns are equal to or better than other asset classes.

How readily available is timberland? Where can you easily purchase it?

Seven-Tenths of U.S. forest lands, or 514.2 million acres of the total 751.2 million acres of forest land, are labeled as timberlands. Timberlands are classified as forest lands used for the production of commercial wood products. Commercial timberland may be used for recurrent growing and harvesting of trees.

Many regions in the United States are especially rich with timberland. For example, the state of Alabama has the third most timberland acreage in the 48 contiguous states, coming in behind Georgia and Oregon. As far as private timberland acreage goes, Alabama comes in second behind Georgia. That being said, Alabama and Georgia are excellent regions to seek out timberland property.

Bottom-line: Timberland is an investment that is in continual demand due to population growth and the need for continued commercial development. As such, it’s a great money-making investment to consider.

AgAmerica Lending offers financing of timberland for investment and/or recreation. Whether you’re looking at 1,000 acres of hunting property or 100 acres managed for pine production, AgAmerica Lending is here to assist you. Contact us with any questions regarding our timberland loans, Alabama land loans, Georgia lands, and other ag loan products. or 844-516-8176.

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Florida Lending Continues to Climb

Though Florida interest rates are climbing, lending institutions are not taking a hit. Borrowers are still flowing in, willing and ready.

Here’s the numerical proof: According to recent 2013 data, lending in Florida has increased by $5.8 billion, or 6.5 percent, outdoing the 2.9 percent U.S. gain. That’s a pretty substantial gain.

Florida is clearly enjoying a unique phenomenon. In fact, the state’s banking industry is surpassing the entire nation, outranking all states.

Though mortgage rates are on the rise in Florida, housing demand has not dwindled according to certain indicators, including average sales and inventory trends. Yet, home buying is not the exclusive factor accounting for Florida’s uphill lending trend.

What, then, is fueling Florida’s lending increase?

As mentioned, home buying plays a role, but a very minor one. Not many home buyers are seeking loan assistance. Data suggests that home buying is probably increasing due to a higher percentage of cash purchases due to the higher-priced markets. So, home buying is not a strong game changer in the Florida lending industry. Commercial and industrial lending, credit cards and auto loans, are the proposed game changers strongly accounting for this uphill lending trend. Real estate loan growth, however, has been consistently low.

It’s hard to say how this high-priced market environment will impact banks. On one hand, it will make borrowing more expensive for banks. Yet, banks have the power to counteract this by increasing their loan rates. Striking a balance is necessary, though difficult.

Moral of the story: Florida financial lending intuitions are doing well, amidst an environment that generally limits borrowing. How this will play out long-term is difficult to predict. Yet, so far, so good for lenders and borrowers.

Based in Central Florida, Bankers South Lending & Finance, LLC (“Bankers South”), a Land South Group Company, is a money lender and mortgage investor. Bankers South provides a variety of loan products, including conventional agricultural loans, timberland loans, and commercial farm loans, and non-conventional, fixed or floating-rate bridge loans on asset classes such as Agriculture and Timberland, Residential Development Land, and Transitional Commercial Assets. Contact us for our ag lending services, information on Florida asset-based loans, and more!  

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