I want
Tax Benefits
Retain more money in your business with the help of CowBank
Tax is complicated, but smart finance can make it work in your favour. Buying cows with a loan means only the interest portion of each payment is tax-deductible — and this fraction shrinks over time. Leasing cows through CowBank is different. Every lease payment is 100% tax-deductible, which reduces tax and frees up cash flow.
Tax savings keep more money in your business during growth phases, when cash flow is tight and every dollar counts. Leasing allows farmers to deduct the full cost of their herd payments instead of limited loan interest deductions.
More cash in your pocket, less pressure on your balance sheet, and a finance structure designed for the way your dairy farm operates.
“I’ve heard leasing cows can help reduce my tax. How does that work?”
How CowBank Helps
Instead of locking up capital or chipping away at a bank loan where the tax benefits shrink over time, CowBank spreads the cost of your herd over manageable lease payments - that are fully tax-deductible.
The process is simple. You get the cows you need now, without draining cash flow, and every payment you make reduces taxable income.
CowBank provides a straightforward structure designed to keep money moving where it matters — into feed, infrastructure, and farm productivity.
And at the end of the lease, the herd is already working for you. The final buyout is a fraction of the original cost, and the cows have more than paid their way in milk production.
CowBank leasing unlocks smart cash flow, wise expansion, and retains more of your money working on-farm, thanks to tax savings.
What’s the difference between a CowBank cow finance lease versus a bank loan?
No shrinking tax benefits – Unlike loans, deductions don’t decrease over time.
100% tax-deductible payments – Every lease payment reduces your taxable income, improving cash flow.
Immediate tax savings – Lease payments count as business expenses from day one.
End-of-lease flexibility – A small final buyout after years of productive milk returns.
Designed for dairy farms – Structured to match farm cash flow cycles.
Case Study
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.
Frequently Asked Questions
-
With CowBank, you select the livestock you need, agree on a lease term, and make regular lease payments. CowBank provides support throughout the lease term and retains ownership of the livestock.
At the end of the lease, there is a final payment due, and you take ownership of the cows.
-
CowBank can move quickly compared to some traditional lenders. Some dairy farmers can receive approval within 1 week.
This varies depending on each individual situation. Once approved, the money can be available in 1-2 days.
-
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.
Ready to unlock tax advantages?
Disclaimer:
The information provided by CowBank is general in nature and does not constitute financial, taxation, or legal advice. Every farm business is different, and the tax benefits or financial outcomes of leasing may vary depending on individual circumstances. Before making any financial decisions, we strongly recommend consulting with your accountant, tax advisor, or financial professional to determine the best strategy for your specific situation.