Cattle Finance for NZ Farmers
Compare cattle finance options in NZ. Fund dairy or beef stock with clear rates, LVRs, and timelines. Apply online for a fast pre-qualification.
How cattle finance works
Cattle finance provides funding specifically for purchasing dairy cows, beef cattle, or breeding stock. The facility is secured by the cattle themselves, with repayments typically aligned to milk payouts or stock sales.
Key Features
- • Advance rates up to 80% of cattle value
- • Interest-only or principal & interest options
- • Flexible repayment terms
- • Review cycles aligned to your operation
Rates, terms & example deals
Dairy Cattle Example
Beef Cattle Example
Eligibility & documentation
Experience Required
- • 2+ years cattle management
- • Proven track record
- • NAIT compliance
- • Herd health programs
Financial Documents
- • Recent financial statements
- • Cashflow projections
- • Bank statements
- • Tax returns
Cattle Information
- • Purchase agreements
- • Vendor details
- • Health certificates
- • Insurance policies
Managing seasonality & cashflow
Dairy Operations
Dairy cattle finance aligns with milk payout cycles. Interest-only periods during low payout months help manage cashflow, with principal repayments during peak earning periods.
- • Seasonal interest-only options
- • Payout-linked repayments
- • Calving season flexibility
- • Dry period support
Beef Operations
Beef cattle finance matches your trading cycle. Purchase weaners in autumn, grow through winter/spring, and sell as finished cattle with repayments from sale proceeds.
- • Trading cycle alignment
- • Flexible draw-down timing
- • Sale-linked repayments
- • Weight gain monitoring
Cattle Finance Questions
Do lenders fund dairy, beef, or both?
Both are funded. Provide details by class, age, and intended program (e.g., replacement, finishing).
How many head can I finance?
It depends on price/head, LVR, and your deposit. Use our purchase capacity calculator for an estimate.
Do I need insurance on cattle?
Yes. Stock insurance is typically required and should align with facility conditions.
Can I increase limits during the season?
Limit increases are subject to review, collateral, and trading performance. Plan ahead for seasonal peaks.
Ready to Finance Your Cattle Purchase?
Get pre-qualified and see your cattle finance options.
Apply for Cattle Finance 🐄