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Livestock Finance

Livestock finance purpose-built for Kiwi farmers. 100% finance for stock purchases, with security taken only over the stock purchased. Your existing security arrangements with your bank are not impacted.

Start your application

I would like to borrow:

Why do Kiwi farmers choose
Heartland Livestock Finance?

  • 100% finance available for stock purchases.
  • No repayments until the stock are sold.
  • Security is only taken over the livestock purchased so your existing finance and security arrangements with your bank are not impacted.
  • You are free to use any stock agent or purchase method you choose to acquire and sell the stock.
  • Your livestock facility can be used for trading or finishing purposes.
  • It’s fast and simple to put in place.
  • The facility is revolving credit and once repaid can be used to purchase more stock.

How it works

Apply online

Apply online by completing the simple 3 step application process and you will get an answer in minutes.

We will call you

One of our livestock experts will call you within one business day (Monday to Friday, not including public holidays) to confirm the details of your application.

Find your stock

Find the stock you want to purchase, using any stock agent or purchase method you choose. Send us the invoice and we pay it directly to the stock agent or vendor. Following sale of the stock, you’ll receive the sale value less the purchase price, fees, costs and accrued interest.

Common Questions

Our interest rates are based on your individual situation; this will range from 7.5% p.a to 16% p.a.
Your livestock invoice can be sent to [email protected]
The amount of time it takes to set up your loan account depends on how soon we receive your documentation back. Once received we will immediately set up your loan.

No, the online application is one part of the process designed to reduce the amount of paperwork you need to fill out.

When you apply online, a Rural Manager will call you to talk through your options including our fees, interest rate and documentation needed.

If your application is approved you will receive a loan document that once you accept and sign, will finalise your application.

You will not incur any fees until your first livestock invoice is paid by us.

We have offices and rural experts throughout the country, and we’re here to help with your livestock finance.

Email us at [email protected],

request a call back
or call us on 0800 87 50 50.

Resources for you to use

Fortnightly Livestock Market Update

The dry has re-ignited cattle processing activity throughout the country. Export prime and bulls are accounting for the majority of stock slaughter...

Get market updates

AgriHQ Finisher Trading Margin Calculator

AgriHQ Finisher was developed to provide farmers with a way to calculate trading margin when buying store livestock.

Register for finisher tool


Your online livestock marketplace

StockX is the only online marketplace for buyers and sellers of livestock that directly connects you with over 2500+ Kiwi farmers

Register for StockX

Start your application

I would like to borrow:

Prefer to talk directly to one of our Rural Experts?

or call us on 0800 87 50 50

What our customers say

Heartland Bank Livestock Finance Customer Testimonial

Realising expansion plans

I wasn’t really planning on getting finance, but everything just seemed to fall into place this year. I’m mainly a crop farmer, but also finish quite a few lambs over winter and have gradually been doing more and more. Last year went well – we did about 3,500 – and I was looking to increase the number this year. Read more
Heartland Bank Livestock Finance Customer Testimonial

Alternative grazing solutions

My brother Donald and I have been in a dairy grazing partnership for close to 20 years and normally it’s a fairly self-sustaining operation. However, every few years dairy farmers grow enough feed to look after the cattle themselves, so we purchase our own cattle to graze over winter. Read more
Heartland Bank Livestock Finance Customer Testimonial

The right stock at the right time

While finishing lambs isn’t my main source of income, my wife and I enjoy managing it as a side business on our small 32 hectare block. We also supply Texel lambs from our stud to Euro Deli Meats in Christchurch. Read more

A shout out to our Young Farmers

Heartland Bank has teamed up with New Zealand Young Farmers and is looking forward to building a great working relationship.

Find out more

Not sure where to start?

Interested in arranging livestock finance but not sure where to start? Contact one of our Rural Managers and they will be more than happy to help guide you through the process.