Breeder Finance

Build your breeder numbers without tying up
working capital.

At StockCo, our Breeder Finance provides up to 100% funding for breeding
cattle or sheep – meaning you can grow your business without any initial
outlay, in a process that’s swift, straightforward and tailored to your unique
livestock needs.

Are You?

Ready to expand your production using only StockCo’s capital?

Wanting to improve both long and short-term cashflow?

Keen to structure repayments to match your financial situation?

Interested in learning more about our Breeder Finance?

  • Expand your operations and capital

    Grow your herd without putting cash on the line.

  • Work with a breeder finance specialist

    We create facilities that work for you.

  • Structure repayments to suit you

    Schedule repayments to align with your cash flow.

  • Profit from your property

    Run your business your way and maximise your opportunities.

  • Sell when you see fit

    Our finance facilities are geared towards boosting your profits.

How it Works

five easy steps

  • 1
  • 2
  • 3
  • 4
  • 5


You purchase any class of viable female, with the invoice settled by StockCo…

meaning livestock stays on the StockCo balance sheet – allowing us
to manage the GST whilst you increase your breeding numbers,
without tying up working capital.



Over the following 12-month period, you
control and manage the livestock for breeding

leaving the management decisions to you – with the overall goal
being an increase in your productive females.



A local StockCo representative will conduct an
on-farm livestock assessment…

confirming the number of viable females you wish to retain and roll
over on finance for another 12-month period.



To complete the roll over, a principal
repayment, along with the accrued interest,
is paid to us…

with payment made at any time prior to the 12-month anniversary
of the initial purchase date.



These payments can be timed to income
events, such as the sale of progeny, other
livestock you own or crop proceeds. Payments
can be made at any time, from any source…

and we can even provide a Stock Advance against the progeny, to
assist in making the principal and interest payments.


apply now

Frequently asked questions about Breeder Finance

StockCo provides livestock finance facilities to customers that satisfy the following criteria:

  • Existing livestock producer with greater than 3 years experience.
  • Own existing livestock producing property, but can also have other leasing or agistment arrangements.
  • The customer must demonstrate the ability or the method by which they will make the required annual Principal and Interest payment in order to extend the trade for a further 12 months.

StockCo makes decisions based on its own internal credit criteria that may include, but isn’t limited to the above criteria. See the ready to trade with StockCo page for further information on the application process.

If any livestock are sold, proceeds are to be sent directly to StockCo at the time of sale to repay the outstanding finance (purchase price plus finance costs) on these livestock. In addition to this a payment of 25% - 33% of the remaining principle, plus accrued finance costs, is required within each 12 month period in order to extend the trade for a further 12 months.

* We recommend that where a customer indicates from the outset that they wish to complete a Stock Advance against the progeny to pay the principal, that they discuss this with their bank from the outset.


Generally, StockCo will accept the following forms of repayment:

  • Sale proceeds of financed livestock (sent directly to StockCo from purchaser)
  • Sale of progeny
  • Sale of culls and empties
  • Wool sales
  • Cash
  • Stock Advance against progeny or other stock*

* We recommend that where a customer indicates from the outset that they wish to complete a Stock Advance against the progeny to pay the principal, that they discuss this with their bank from the outset.

You can pay out your obligations to StockCo at any time with no penalties.

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.

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 0800 920 929 or via email at

In most cases we will visit you on farm to ensure we have a thorough understanding of your business and your goals.

After your application is lodged it will go through our Ready to Trade process.

We have a preferred minimum limit of $200,000 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.

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 Animal Identification and Tracing database. Additionally, in the event that our customer is not the owner of the business assets, we may require a guarantee.

In some instances, StockCo may require other security agreements following its assessment of the customer.

For Breeder Finance and Stock Advance products StockCo require a release from any parties that have an existing security interest that encompasses livestock. This release relates only to the livestock to be financed by StockCo. This process can take some time depending on the security interest holders' processes. See our Personal Property Security Register page for more information on security interests.

  • Yes, subject to approval, we will advance funds as a Stock Advance against livestock you already own, so long as they are intended for sale within 12 months.
  • In most cases your existing livestock will be captured by your bank’s security and we will require a release from any security holders before we can advance funds against existing livestock

Generally StockCo will provide a decision on applications within 2 business days of receipt of all necessary information.

  • Once your application is approved we aim to have loan documents to you within 2 business days.
  • You are able to commence trading as soon as we receive properly executed documents and have completed our security registration.

Our Buying and Selling Instructions are contained in the document section of this website

StockCo recommends you take out insurance to cover your financial obligation for the livestock.

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.