100% finance is subject to approval in accordance with StockCo’s eligibility criteria
An innovative new livestock financing solution designed specifically for breeding cattle and sheep to maximise production and manage cash flow. With the support and experience of our local AgriFinance Managers, StockCo can provide you with strategic Breeder Finance, allowing you to scale your operation sooner without the need for financial outlay upfront.
StockCo can provide up to 100% funding for breeding cattle or sheep, allowing you to capitalise on seasonal conditions without tying up working capital. At StockCo, all we do is fund livestock. With the support of our local and experienced AgriFinance Managers, we will tailor a solution to meet your needs.
Livestock is paid for by StockCo, with no deposit or upfront capital input required by you. Put simply, any class of female stock can be purchased for an initial term of 12 months. The Breeder Finance Solution allows the extension of 12-month trades on the basis that certain criteria are met. All funding costs are aligned with your income events, smoothing out your cashflow.
We can help with solutions to:
StockCo provides livestock finance facilities to customers that satisfy the following criteria:
Generally, StockCo will accept the following forms of repayment:
* We recommend that where a customer indicates from the outset that they wish to cashflow progeny to pay the principal, that they discuss this with their bank from the outset.
We would provide a reasonable timeframe to be repaid via sale of the livestock or another agreed method.
StockCo would prefer non-productive or empty females are sold and the proceeds go toward repaying the initial advance. Productive breeders can then be re-purchased if required. StockCo can finance replacement productive breeders if required.
We take security directly over the livestock that we have funded. We register our interest in the livestock on the Personal Property Security Register.
We also track livestock movements via the National Livestock Identification System Database.
Additionally, we require guarantees to be provided by the owners of major assets, if this is a different person or entity to the borrower.
StockCo is not a bank.
Our strategy is to enhance your relationship with your existing bank, by providing an opportunity for you to generate greater returns from your existing livestock business, without impacting your existing arrangements with your bank.
We do this by taking direct security over the livestock we fund and by taking guarantees from major asset owning people or entities.
We have a preferred minimum limit of $250,000, although we will consider applications for smaller amounts where there are reasonable prospects to grow over time.
There is no maximum facility limit. StockCo has engaged in a number of transactions greater than $10 million.
You can apply by completing our online application form or download a form from our documents page.
You can lodge your application with any of our approved distribution partners or directly with StockCo. To find a local distribution partner near you please contact us on 1800 283 447 or via email at info@stockco.com.au
In most cases we will visit you on farm to ensure we have a thorough understanding of your business and your goals.
You can pay out your obligations to StockCo at any time with no penalties.