I want to
Refinance
Take Back Control
Debt is a part of farming, but the wrong finance structure can hold you back. Maybe your repayments are too high? Or your cash flow is tight? Have your lender’s conditions changed — suddenly? Whatever the reason, the numbers no longer stack up.
That’s when refinancing makes sense and CowBank has 25 years of experience working with dairy farmers to develop tailored options to suit businesses.
“My current finance isn’t working for me—can I refinance to improve cash flow and give my business more flexibility?”
How CowBank Helps
CowBank works with farmers to restructure debt in a way that fits their business, freeing up capital, improving flexibility, and putting control back in their hands.
Whether it’s breaking free from restrictive agreements or simply finding a better way forward, we help dairy farmers refinance with confidence — and keep their businesses moving.
Regain control – Move away from restrictive finance agreements that no longer suit your business.
Improve cash flow – Restructure repayments to better align with your income and expenses.
Free up capital – Unlock funds for farm improvements, herd expansion, or working capital.
Case Study
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.
Frequency Asked Questions
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Livestock loans provide funds to purchase animals outright with ownership transferring immediately, while livestock leases allow farmers to use the animals during the lease term with ownership retained by the lessor, offering different tax benefits and capital requirements.
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CowBank’s refinancing is designed specifically for dairy farmers, offering flexibility that traditional banks often don’t provide. Unlike banks, which may require land or personal assets as security, CowBank secures finance against your herd—keeping your land and equipment unencumbered.
CowBank’s has a deep understanding of the dairy industry, we make decisions based on real farm performance, not just a balance sheet.
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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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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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Item descriptionRefinancing with CowBank is straightforward and designed to minimise disruption to your farm. First, we’ll review your current finance arrangement and discuss your goals—whether it’s improving cash flow, reducing repayments, or freeing up capital. Then, we work with you to structure a refinancing solution that fits your business.