Eligibility & What You'll Need
Check if you qualify for livestock finance in NZ. See experience, security, LVR, and documentation requirements. Start with a quick eligibility check.
Minimum criteria
Farm Experience
2+ years livestock management preferred
Financial Position
Positive equity and cashflow capacity
Stock Quality
Healthy, traceable livestock
Security Available
Stock, GSA, or property security
Clear Purpose
Defined stock purchase plan
Insurance
Stock insurance coverage
Financials & documentation
Financial Documents
- • Recent financial statements
- • Management accounts
- • Cashflow projections
- • Tax returns (2 years)
- • Bank statements
Farm Information
- • Property details
- • Stock records
- • Insurance policies
- • NAIT compliance
- • Grazing agreements
Purchase Details
- • Stock specifications
- • Purchase agreements
- • Vendor details
- • Delivery timeline
- • Sale strategy
Security & LVR expectations
Typical LVR Ranges
Security Options
Stock Security
First charge over financed livestock
GSA
General Security Agreement over farm assets
Property Security
Mortgage over farm property
Personal Guarantee
Director/owner guarantee
Eligibility Questions
Do I need previous farming experience?
Most lenders prefer proven experience, but strong support, management plans, or partnerships can offset limited track record.
Can start-ups apply?
Yes, if you have a viable plan, sufficient equity or security, and appropriate stock management support.
Will poor credit disqualify me?
Not always. Explain any issues up front. Strong collateral, cashflow, and management may still secure funding.
Do I need full annual accounts?
Up-to-date financials help. Lenders may accept interim accounts or management reports depending on facility size.
What is the typical LVR/advance rate?
It varies by lender and stock class. Indicatively, 50–80% is common, subject to eligibility and market conditions.
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