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Southern AgCredit, FLCA

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Description

Specializing in providing financial solutions for agricultural businesses, Southern AgCredit, FLCA offers tailored SBA loan programs to support the growth and development of farming operations and related industries. With a focus on agriculture-related NAICS codes, this lender facilitates access to capital for rural and farm enterprises, helping clients expand, purchase equipment, or improve facilities. Their expertise in SBA 7(a) loans ensures flexible financing options with competitive terms, catering specifically to the needs of agricultural entrepreneurs. Whether you’re seeking funding for land acquisition, equipment, or operational expenses, Southern AgCredit, FLCA is equipped to assist with customized lending solutions designed for the agricultural sector.

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Q&A

Lender Type
Commercial Bank
Google Rating
5
Google Review Count
1
Question 1
What is this place and what can I find here?
Answer 1
This is a financial institution specializing in SBA loans for agricultural and rural businesses, offering tailored financing solutions to support growth and operational needs.
Question 2
Do I need an appointment or can I walk in?
Answer 2
It is recommended to schedule an appointment to ensure dedicated service, but walk-ins may be accommodated depending on availability.
Question 3
What are the hours of operation?
Answer 3
Typically, the hours are Monday through Friday from 9 am to 5 pm, but it is best to contact the branch directly for specific times.
Question 4
Is there a fee to use this?
Answer 4
Yes, there are application and processing fees associated with SBA loans, which vary depending on the loan size and terms.
Question 5
Who is this open to — anyone, or only residents/members?
Answer 5
This lender primarily serves agricultural and rural business clients, generally requiring applicants to be within their geographic service area and meet qualification criteria.
Question 6
What minimum personal credit score does this bank look for in a guarantor?
Answer 6
A minimum credit score of around 650 is typically required, but higher scores improve approval chances.
Question 7
How long does the traditional underwriting process take from start to close?
Answer 7
The process usually takes between 30 to 60 days, depending on the complexity of the application and completeness of documentation.
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