Contact Us
Free call: 0800 920 929
Free fax: 0800 920 930
Telephone: +64 6 873 7260
Fax: +64 6 878 5785
Address: The Village Exchange | 5 Havelock Road
PO Box 8050, Havelock North 4157

Lamb Trading


Term of Trade100 days
Average daily weight gain0.15kg/day
Lamb purchase30$2.50$75
Lamb sale45$2.50$113
Farmer’s returns and costsper head500 head
Lamb sale $113$56,500
Lamb purchase$75$37,500
StockCo finance charge$2.80$1,400
StockCo pays farmer$35$17,600
Your margin / Sale value31.5%
Your finance costs / Sale value2.5%
Your finance costs per head per day$0.03


Send PDF by email


At StockCo we understand the complexities and challenges of operating an agribusiness enterprise and have developed a range of specialised agrifinance cash flow and capital management solutions. Using StockCo’s facilities, livestock producers are able to maximise returns from existing operations and embrace new business possibilities.

StockCo livestock finance is available to fund purchases of sheep and cattle for backgrounding, finishing or trading purposes. In most cases we provide funding for 100% of the purchase price and take direct security over the livestock.


We finance the purchase of stock by paying the invoice directly when you buy in store stock. You then carry the stock through to its optimum sale value and process it with Alliance. You’ll receive the sale value, less the purchase price and finance cost.

You can access additional cash flow by selling your unfinished stock to StockCo, receiving their current value now, in cash. You then continue to carry the stock to its optimum sale value and then sell it. You receive the sale value less the original cash flow payment and finance cost.


1. Go to apply now and fill out the application form

2. One of our livestock finance agents will contact you to discuss your livestock funding requirements.

FAQ – Your Questions Answered

What is StockCo’s Eligibility Criteria?

StockCo prefers to provide livestock finance facilities to clients that satisfy the following criteria:

  • Existing livestock farmer with greater than 3 years experience.
  • Own existing livestock producing property, but can also have other leasing or agistment arrangements.
  • Are experienced in conducting the livestock trades proposed.
What security does StockCo require?
  • We take security directly over the livestock. We register our interest in the livestock on the Personal Property Security Register.
  • We also track livestock movements via the NAIT 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.
Will this affect my relationship with my bank?
  • 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.
  • In most cases we do not register a following mortgage and so this does not disrupt your existing security arrangements with your bank.
  • We may reserve the right to take a mortgage if you default on your commitments with StockCo.
Is there a minimum or maximum funding limit?
  • 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.
How do I apply and what information is required?
  • You can apply by completing our online application form or download a form from our documents page.
  • In most cases we will visit you on farm to ensure we have a thorough understanding of your business and your goals.
How long does it take to process my application?
  • Generally StockCo will provide a decision on applications within 2 business days of receipt of all necessary information.
Once approved, how long before I can start trading?
  • 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.
Are there any special instructions for my agent or buyer?
  • Our Purchase and Sale Instructions are contained in the document section of this website
Will you advance funds against livestock I already own?
  • Yes, we will advance funds against livestock you already own, so long as they are intend 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.
What if I want to repay my StockCo facility before the livestock are sold?
  • You can pay out your obligations to StockCo at any time with no penalties. Once the StockCo facility is repaid, ownership of the livestock transfers to you.