Dairy cows are productive animals but they can do so much more than provide milk and replacement calves
If you are a dairy farmer, this isn’t news to you.
You know your cows are central to your business- and in many cases why you’re farming.
But did you know that your dairy herd can also be your ticket to business growth?
Adding more cows or increasing the productivity of cows - in many cases - can be the highest returning investment in a dairy business.
Milking the right number of better quality cows can significantly drive profit for a dairy business.
That’s where dairy cattle finance can play a role.
Dairy cattle finance is the business tool that provides opportunities for Australian farmers.
Finance - mostly in the form of herd leasing - can provide a foothold in dairy, for newcomers, and underpin sustainable expansion for existing operators.
Considered and strategic borrowing to fund dairy cows is a tool that farmers can use through CowBank.
Are cows the key to unlocking your business’s full potential?
Fast Approvals
100% Tax-Deductible Payments
No Land Security Required
Predictable Fixed Payments
Improved Cash Flow Management
Why daIry farmers use herd leasing
✔ Frees up capital – No large upfront costs, keeping money available for farm investments.
✔ Tax advantages – Lease payments are fully deductible, unlike loan repayments.
✔ Cash flow friendly – Predictable, structured payments aligned with milk income.
✔ No land security required – The cows themselves secure the finance, keeping land and assets unencumbered.
✔ Flexibility at the end – Upgrade, buy out, or continue leasing based on what’s best for your business.
There are many reasons farmers choose CowBank
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Milk More Cows
CowBank can help top up your herd with quality cows. Whether it’s increasing numbers to make the most of seasonal condtions or stocking new land, extra cows unlock cash flow.
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Start my own dairy business
Building your own herd is a crucial step in any dairy farming career, but sometimes securing the backing for cows can be a big hurdle - even for the best operators.
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Make excess feed into milk
Increasing herd numbers is the most effective way to turn excess feed into profit and grow your equity.
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Unlock Equity
Access the value of your herd and use that money for business-building activities such as farm projects.
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Milk Better Cows
CowBank can fund new cows with better genetics - now. Rather than breeding from an existing herd, cash-in on better breeding now.
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Succession Planning
Transferring herd ownership to the next generation is a huge factor in successful succession planning.
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Involve my staff in herd ownership
Livestock ownership is a way many dairy farmers reward staff. It’s also used as an employee retention or attraction strategy.
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Refinance
Farmers can improve cash flow, reduce financial strain, and unlock capital for strategic investments.
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Expand my farm
Do you have an opportunity to expand? Using CowBank herd leasing to finance cows keeps cashflow strong, maximises land investment, and ensures new pastures are stocked and profitable from day one.
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Tax Benefits
CowBank herd leasing allows dairy farmers to fully deduct lease payments, reducing tax payable and preserving cashflow (unlike loans where only the interest portion is deductible.
How does dairy cow finance work?
CowBank allows dairy farmers to finance cows without upfront ownership. This means they can make fixed, tax-deductible payments while keeping capital free for farm investments and cash flow management.
Case StudIES
Buying land - Free up capital
“CowBank’s confidence in our operation got us over the line.”
The opportunity to buy the neighbours farm at auction, and double his dairy operation, was too good to refuse for Tim Dwyer.
The Gippsland dairy farmer had bank finance approved for the auction, but he knew competition would be fierce and he needed a little more wriggle room.
Quick finance secures vendor terms
Trevor Middlebrook needed herd finance and he needed it fast. The Gloucester, NSW dairy farmer had an opportunity to buy some quality cattle - on a neighbouring farm and with vendor terms - but he had to make a decision within hours…
Funding for the future in Gippsland
When Aaron Grant needed to replace milk processor finance his broker suggested CowBank.
The Gippsland dairy farmer had used short-term finance from his milk processor to purchase the remainder of his 250-cow herd.
Business support for 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.
Contact Us
Thinking about the future of your farm? Let’s chat about how CowBank can help make succession planning smoother, and set the next generation up for success. Get in touch today.