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What is a Farm Line of Credit?
A farm line of credit is a flexible financial tool that provides farmers with access to funds to cover operating expenses such as purchasing seeds, fertilizers, equipment, or paying labor costs. It is specifically designed for agricultural operations. Think of it as a safety net, allowing farmers to bridge gaps in cash flow and manage unforeseen expenses that may arise during a growing season.

What to do. 
What not to do. 

How do I initiate a claim?
Call your crop insurance agent and follow up in writing/email (keep a copy for your records). Your crop insurance company will arrange for a loss adjuster to inspect your crop. It is your responsibility to call your crop insurance agent and initiate this process.

How do I know when to file a claim?

Southern Hill Farm, located in Clermont, Fl began as a tree farm then turned into a small commercial blueberry farm.

Starting a farm, no matter how small, is an exciting venture. Whether you're raising a few cows or planning a diverse small-scale operation, a well-thought-out farm plan is crucial. Not only is it often required by lenders, but it also serves as a roadmap for your agricultural journey. Let's break down how to create a simple yet effective farm plan.

At Farm Credit of Central Florida, we're committed to the future of farming. That's why one of our core missions is to provide financial support, education, and resources for young, beginning, and small (YBS) farmers and ranchers in our territory. The costs of land, equipment, supplies, and labor are massive hurdles. Not to mention navigating the complex world of operating loans, crop insurance, marketing, and more. It's easy to feel overwhelmed.

If you're looking to purchase vacant land in Florida, you'll likely need to explore getting a land loan. Land loans work a bit differently than traditional mortgage loans for purchasing an existing home. Here's an overview of how the land loan process typically works in Florida:

Zoning and Purpose

Applying for a loan? However, the credit approval steps are fairly straightforward regardless of whether you apply for an operating loan, land loan, equipment loan or home loan. By understanding the process, you will feel more at ease during the transaction. 

Are you looking to build a home soon? Have you heard the term Barndo, Barndominuim, or Barn home? These terms are gaining popularity amongst rural homeowners looking for alternatives to traditional built homes, and are becoming the latest real estate trend. A barndominium is essentially a steel building similar to a barn that encompasses living quarters and a workshop under a single roof.  For the installation, Barndos come as a prefabricated shell kit to do it yourself, or you can hire a turnkey builder to complete the home.

Bought a lot or land and looking to build a home? It is important to do your research so that you can make informed decisions. 

Farm Credit operates as a cooperative, which loosely defined means a group of people united to meet a common need through a jointly owned business. For Farm Credit, being a cooperative means our customers own us and are eligible to share in the profits each year.