We Understand the Agriculture Business

Live Oak Bank offers a team with over 60 years combined experience lending solely to poultry growers nationwide. We offer up to 100% financing for new house construction, expansion of existing facilities, refinancing of current debt, facility purchase  and real estate.  Working with a lender who understands the uniqueness of your loan simplifies the process for you. Our knowledge and experience in the industry coupled with our commitment to customer service offers you confidence that your loan process will run smoothly and efficiently.

live oak bank agriculture loan


At Live Oak Bank, we specialize in making loans to professionals in the Agriculture industry. Our dedicated lenders guide clients through the acquisition process with knowledge and experience, aiding in the success of our borrowers. Our relationship with our clients extends beyond closing to ensure a lasting relationship focused on the success of the operation.

Live Oak offers Loan Officers who specialize in Agricultural construction financing. Our construction team works with the contractor and client on all construction-specific items. Our ultimate goal is to provide fast and efficient financing. Our knowledge coupled with a dedicated team simplifies the loan process for your construction project.

Our refinancing process is unique. We offer real-time, automated checklists so customers never have to guess where they are in the process. Our approach to refinancing and knowledge of the Agriculture industry allows us to serve our clients in an innovative and efficient way. No other bank offers you this level of service.  


Our Background In Lending

The Agriculture lending team prides itself on years of experience in the industry. We know the business and unique opportunities available to you. The level of service extends beyond the servicing of the loan, creating a lasting relationship with a lender you can trust.

Jody Murphey
Jody MurpheyGeneral Manager
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Jody Murphey joined Live Oak Bank with 15 years of experience in agricultural lending. Over the past 13 years, he has originated over $450,000,000 in loans to contract poultry growers across the United States. He has extensive knowledge of the poultry business, including operations and opportunities in North Carolina, South Carolina, Georgia, Florida, Alabama, Tennessee, and Kentucky. Jody is a native of Tennessee and has lived in Georgia for the past 10 years. In his free time, Jody enjoys spending time with his wife and two children, playing golf, and following his beloved Tennessee Volunteers.
Randy Ratcliff
Randy RatcliffSenior Loan Officer
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Randy Ratcliff has worked in agricultural lending for the past 25 years with a concentration on poultry lending during the last 20 years. During that time, he has originated over $750,000,000 in poultry loans in Arkansas, Oklahoma, Missouri, Mississippi, and Kentucky. Furthermore, Ratcliff’s knowledge and experience includes servicing a portfolio of $200,000,000 for the last 15 years. In his spare time, Randy enjoys playing golf, hunting, fishing, and traveling.
Vance Keaton
Vance KeatonSenior Loan Officer
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Vance Keaton joined Live Oak Bank with 15 years of experience in agricultural lending. His extensive knowledge of the poultry business includes working with contract growers throughout the country. Keaton not only understands the lending aspect, but also the production side as his family has been in contract poultry operations since the 1940’s and remains in poultry production today. In his free time, Keaton enjoys spending time with his wife and three children and working on the poultry farm, the family cattle operation, and with the kids’ 4-H show cattle.
Hunter Deweese
Hunter DeweeseLoan Officer
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Hunter Deweese has been a lender for 8 years and has been working in the agriculture industry for the past 4 years. He has great knowledge in working with poultry farmers and understanding all of their needs. While in the poultry industry Hunter has worked with many farmers throughout the Southeast. Hunter is a native of Northwest Arkansas where he currently lives with his wife Leanne and two sons.
Graham Kelly
Graham KellyLoan Officer
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Graham Kelly joined Live Oak Bank in late 2013. As a loan officer, he works with contract poultry growers to originate new loans through evaluating and recommending the approval of customer applications for extensions of credit. His knowledge of the poultry industry makes it easy for the customer to successfully execute farm construction and optimize farm cash flow.
Ford Williams
Ford WilliamsLoan Officer
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Prior to joining Live Oak, Williams worked for Vine Street Financial, a division of BB&T, and was a Regional Sales Associate for Employer Payment Solutions, where his responsibilities included the discovery of clients looking to outsource their companies’ payroll.

Why Partner with Live Oak Bank?

  • Up to 100% financing
  • Competitive rates
  • Simpler, faster financing
  • No balloon payments
  • Loan amounts up to 5 million
  • Loan approvals in as little as a week
  • Loan teams organized to get your loan closed quickly
In the application phase, a lending team member will work directly with you to gather all information needed to prequalify you for your agriculture loan request. We strive to simplify the loan process, make it easy for you to provide your information, and keep you informed along the way. Technology allows us to give you real-time updates on loan status and offer direct interaction with your loan team members.

Here you will submit financial documents necessary for your loan approval. You will work directly with the underwriter assigned to your loan. The underwriter will gather your financial documents and learn your story, advocate for you and assist you throughout the review process. Specific questions regarding paperwork can be addressed directly to your underwriter. When your loan is approved, you will receive a commitment letter with the terms and conditions of the loan.

Closing is the final phase of your loan. A loan closing specialist, or closer, will contact you to schedule a kick-off call. Your closer will then review all documents needed to complete the loan. Documents can be submitted as completed. Your closing team will also assist in reviewing document drafts prior to signing, to ensure all necessary information is included. We’ve automated this process to ensure efficiency and clear communication throughout the funding of the loan. Real-time, automated checklists are provided to illustrate your loan progress.