Figured Lending
From revolving dairy credit to livestock, equipment, and project finance — every product is pre-qualified against your live Figured numbers.
Dairy Flexi Credit is revolving credit for the costs that can't wait, whether that's an unexpected repair, new plant and equipment, or a gap in cashflow mid-season. Interest only applies to what you actually draw down, so you're not paying for money sitting unused.
Livestock Finance is built for farmers working toward ownership or growing what they already have, without waiting years to build equity first. Borrow up to 80% LVR against the livestock itself, and the herd is yours from the moment you take it on.
Accelerate on-farm improvements with easy access to farm finance for machinery and equipment. Decisions are made quickly, so you can upgrade that trusty tractor, embrace new technology, or embark on an expansion journey, while safeguarding your working capital.
Got a project wishlist? Turn farm plans into reality with financing designed for sustainability, environmental, and other capital projects. Use your own farm numbers to get funding ahead of cashflow.
Your annual Halter subscription made easier. Halter Finance spreads your annual costs out into more affordable monthly repayments, easing cashflow and avoiding large upfront annual fees. Or, match your repayments to seasonal cashflows if preferred.
Speed
Most farm lending decisions wait on paperwork that has to be gathered and checked from scratch. By drawing instead on your live farm numbers, Figured Lending decisions are based on data that’s already current — so smaller loans could be approved within 24 hours.*
Security
We’re all about giving farmers access to the loans they need. There’s no asset security required up front for funding up to $100,000, with lending decisions instead based on your farm’s real performance.
Flexible Terms
Figured Lending works for you, with flexible repayment terms that suit life on the farm. Interest is charged only on funds you actually use, with competitive floating rates starting from 9.45% p.a. In some cases, repayments can move with the season, landing when your income does.
Important Information
*Heartland Bank Limited’s lending criteria applies and approval time depends on when supporting documents are provided. A GSA and personal guarantee are required. Lending for any vehicle over the value of $5,000 is subject to a SSA.
Applications above $100,000 do not fall within Figured Lending’s standard approval process and will be referred to Heartland Bank Limited’s credit team for review. Alternatively, up to $100,000 could be covered by Figured Lending with the remainder paid directly to supplier.