I want to
Unlock Equity
Use the value in your herd to fund business development.
Cows are one of the biggest assets on your farm. There’s a lot of money walking to and from the dairy, twice a day - every day.
Sure, your herd generates income through milk production and replacement calves but now, thanks to CowBank, your cows can help finance the next business development.
Maybe there’s a piece of land coming up for sale next door? It’s the perfect chance to expand. Or perhaps you need to get on top of creditor payments? Invest in infrastructure to improve efficiencies? Whatever the opportunity, your herd is the key.
Can I use the value of my herd to help finance farm investment projects? Pay creditors? Restructure my debt? Provide a deposit for an additional land purchase?
How CowBank Helps
Leasing your cows through CowBank means accessing capital without disrupting your operation.
The cows stay right where they are — producing milk and generating income — while you put their value to work. Whether it’s funding a land deposit, upgrading facilities, or simply ensuring you have the working capital to make smart, timely decisions, herd finance gives you flexibility without compromise.
It’s not about changing how you farm — it’s about making the most of what you already have.
Scale smarter – Invest in growth without straining resources.
Unlock capital – Access funds tied up in your herd.
Fast access – Secure financing quicker than traditional loans.
Using your cow equity for growth
“It’s always exciting to support farmers using their herd equity to secure their first piece of land and take the next step in their business.”
- 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 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.
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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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Say you want to buy 300 cows, but don’t want to add them to your herd all at once. CowBank can approve your loan for the 300 cows and you can choose when to add them into your herd. For example, 100 could be added straight away and then another 100 in spring - when there’s more feed - for example and the remainder, when it suits your business.
At CowBank we are practical. We know you may not want all your cows calving at the same time, we also know that homegrown feed fluctuates - that’s why we offer finance for the real world.
The money can be approved as one total loan facility and it can be drawn as separate tranches.
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Yes, the lease can be paid-out at any time before the end of the lease without penalty.