Agriculture & Forestry Financing

The first loan we did was an Ag Loan in 1904, and we have been lending to local farmers ever since. We have a proud history of lending to the local Ag Community for over 117 years, and plan to continue nurturing those relationships and building new ones for years to come.
Ag Loan Inquiry

Real Estate Loans

When it comes to real estate loans for the agricultural community, United Bank has appealing options and are competitive with rates and terms.

We offer:

  • Purchase or Refinance of Real Estate - farmland, timberland and pastureland (no minimum acreage size)

  • Purchase or Refinance of Homes with larger acreage, preferably 10 aces or more

  • Finance of Improvements to Real Estate - construction, greenhouses, grain bins, barns, etc.


Agribusiness Loans

United Bank offers many options for Agribusinesses including long term fixed rate options up to 30 years and flexible payment structures.

Purchases or Refinances

  • Crop and Livestock Facilities - Stockyards, Grain Elevators, Cotton Gins, Peanut Buying Facilties, etc.

  • Nurseries/Greenhouses - Wholesale or Retail


Equipment Loans

United Bank offers a wide variety of equipment loans including purchase & refinancing of new & used equipment with our signature flexible terms and competitive rates.

  • Up to 90% Financing

  • Purchase & Refinancing Options

  • New & Used Equipment

  • Up to 7 years Financing depending on amount


Working Lines of Credit/Crop Production

United Bank is one of the few lenders in the area that will accept crops and crop insurance or cattle as collateral. We will also consider real estate and equipment to secure the loan. Rates and terms are competitive, such as up to a 3-year line of credit.

Full Application

United Bank is proud to be a Certified Lender in Alabama and Florida with the Farm Service Agency Department. With this certification, our approval turnaround times are 14 days or less! 

To apply, please complete the online application and submit by one of the following methods:

  • Email a scanned copy to       
  • Fax to (251) 446-6019   
  • Mail to United Bank Attn: Ag Department, P.O. Box 8, Atmore, AL 36504

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