I want to
Start my own dairy business
You’ve been putting in the hours — early mornings, late nights, and everything in between — managing a dairy farm. You know cows, milk production and how to grow feed. You’ve got runs on the board and a vision, with a budget, for your own operation. The only thing standing in your way? Getting a herd to call your own.
Or maybe you've just taken the biggest step of your career—signed the papers on your first block of land. It’s exciting, but reality hits fast. There’s fencing to complete, laneways to repair, a dairy to run, and cash flow is tight. And you still need cows to make it all pay.
That’s where CowBank comes in. We help new farmers secure cows without draining every last dollar from their business. More cows in the paddock mean more milk in the vat, faster. Instead of waiting years to grow your herd, you can start generating revenue sooner and building the future you’ve worked hard for.
You’ve done the hard yards—now let’s get a herd working for you.
“I want to purchase a herd but don’t have the upfront capital or cash flow to do it.”
How CowBank Helps
Starting your own dairy farm requires capital — CowBank helps you get there faster
We provide 100% financing for purchasing cows, so you can start milking without draining your cash reserves. Flexible payment terms align with your farm’s cash flow, making herd ownership achievable and sustainable.
Faster Approvals
With approvals often within a week, you can act quickly on opportunities and start generating revenue sooner.
No land security required
Unlike banks, which require land as security, CowBank secures the loan against your cows, keeping your other assets unencumbered.
Get your herd faster with CowBank. Start milking sooner and generating revenue without the upfront cost of buying cows.
Transitioning from managing to owning. CowBank provides a pathway to owning your own herd without saving for years.
Preserve capital for investments in land or feed. CowBank finances your herd so you can keep your money to invest where you need.
Access to professional advice. CowBank are passionate about ensuring farmers succeed. That’s why CowBank makes the time to understand your business.
Accessing Better Genetics. Rather than settling for whatever cows they can afford, CowBank allows young farmers to start with higher-producing cows, setting them up for better long-term profitability
Supporting the next generation
“Getting started in dairy farming takes more than hard work — it takes the right support. We help farmers secure their first herd so they can start milking and generating income sooner.”
- Rod Banks, CowBank
Case Study
Business support to achieve farming goals
IT was hard for Cassandra Kath to put into words how she and husband Andrew work with CowBank.
And it’s not because the dairy farmers from northern Victoria don’t get value from the herd leasing operation.
In fact, it’s the opposite - and some of the support isn’t immediately quantifiable on the business balance sheet.
Frequently Asked Questions
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CowBank only uses the livestock as security for the dairy cow finance, this makes it easier for sharefarmers - or those who don’t own land - to start their career in the industry.
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Exactly that - CowBank does not tie up your land, house or any other asset when you lease cows. The cows, themselves, are the security. You don’t even need to necessarily own land to lease cows through CowBank.
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Bank finance is a good option and suits some people.
CowBank provides a point of difference as a specialist dairy cow lender. CowBank listens to the needs of dairy farmers and has the expertise to view business through the lens of a financier and dairy farmer. A CowBank client has practical, and appropriate cow funding for their stage of business.
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CowBank has extensive experience dealing with livestock finance across a range of businesses. This is our bread and butter. This experience means we can provide the right advice and guide farmers to ensure their applications are thorough and accurate.
Practically, CowBank can speak to accountants on behalf of dairy farmers - with the farmers’ permission - to source the best information quickly.
CowBank can also leverage its network of experienced livestock buyers and agents to assist with searching for the best cows to purchase for each farmer.
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CowBank trusts that each dairy farmer knows what type of cows work best in their business. Many dairy farmers choose to source their own cows either through existing contacts or their trusted stock agent. For others, CowBank has an extensive network of buyers and agents who work with farmers right across the country to secure the stock they need.