Beef Finance for Weaners, Stores & Finishers

Finance options for beef operations in NZ. Compare structures for weaners, stores, finishers. See rates, LVRs, and timelines. Apply in minutes.

How beef finance works

Beef finance provides funding for purchasing weaners, store cattle, and finishing cattle. The facility is secured by the beef cattle themselves, with repayments typically aligned to sale proceeds and trading cycles.

Key Features

  • • Advance rates up to 70% of cattle value
  • • Trading cycle-aligned repayments
  • • Flexible draw-down timing
  • • Sale-linked settlements
Beef cattle in New Zealand

Rates, fees & LVRs

Weaner Purchase Example

200 weaner calves $200,000
LVR (70%): $140,000
Interest rate: 9.0% p.a.
Term: 12-18 months
Your deposit: $60,000

Store to Finish Example

150 store cattle $270,000
LVR (65%): $175,500
Interest rate: 8.5% p.a.
Term: 6-12 months
Your deposit: $94,500

Trading strategies & timelines

Weaner to Store

  • • Purchase: Mar-May (autumn)
  • • Hold: 6-12 months
  • • Target: 300-400kg gain
  • • Sell: Sep-Nov (spring)

Store to Finish

  • • Purchase: Sep-Nov (spring)
  • • Hold: 3-6 months
  • • Target: 180-250kg gain
  • • Sell: Dec-Apr (summer)

Long-term Trading

  • • Purchase young cattle
  • • Hold: 18-24 months
  • • Maximize weight gains
  • • Premium market timing

Eligibility & documentation

What Lenders Look For

  • • Experience: 2+ years beef cattle management
  • • Track Record: Proven finishing margins
  • • Feed Plan: Sufficient pasture or supplementary feed
  • • Market Access: Established sale channels
  • • Insurance: Livestock mortality coverage
  • • NAIT Compliance: Traceability systems in place

Documents Needed

  • • Purchase agreements or sale notices
  • • Cashflow projections (buy-grow-sell)
  • • Recent financial statements
  • • Feed budget & capacity assessment
  • • Insurance certificates
  • • NAIT records & location details

Beef Finance Questions

Can I finance different beef classes in one facility?

Often yes. Break down headcount and timelines by class and provide a clear buy-grow-sell plan.

How are finishing margins assessed?

Lenders review purchase price, expected weight gains, feed plan, and sale timings. Use our margin calculator.

Do I need cash in for each purchase?

Advance rates vary. A deposit can improve pricing and flexibility, but depends on the lender and risk.

Can I increase my limit mid-season?

Potentially. Provide performance updates and revised budgets. Approval depends on security and results.

Ready to Finance Your Beef Purchase?

Get pre-qualified and see your beef finance options.

Apply for Beef Finance 🥩