No fees, fast turnaround: Ruralco Seasonal Finance is a 0-fee loan that can provide you with operating cash flow within 24 to 36 hours of your application being approved.

Short to mid-term funding: Ruralco Seasonal Finance is designed so that you can borrow up to 50% of the estimated value of the livestock you buy or currently own. The loan must be repaid within a 12-month period.
If your needs exceed 50% please refer to feeder trader option

Non-mortgage backed security: Most finance providers will take a mortgage over your property as security for your loan. Because we operate across the entire agricultural value chain and are close to your operational risks, our funding is 100% secured by your livestock.

The difference: The Ruralco Seasonal Finance solution offers you an alternate source of funds to your existing bank, giving you the opportunity to diversify your debt. Ruralco Finance does not own the livestock. We take a security charge over the livestock only.

How it works: Our livestock finance is only available for customers of Ruralco Livestock businesses. The livestock purchased is the security for your loan, with the loan repaid when the livestock is later sold.

Transparent and competitive interest rate*: Like our customers, we prefer to be straightforward and call it as it is. Unlike many finance providers we don’t quote our interest rate, then charge administration or establishment fees on top. We offer a competitive interest rate, with 0 additional fees.

Trusted: The Ruralco Seasonal Finance loan is issued by Rabobank Australia Limited (Rabobank). Ruralco Finance acts as Rabobank’s approved credit agent. For you, this means you have the backing of two companies with experience in financing, supporting and helping to grow Australian farms. Day-to-day you will deal with Ruralco Finance representatives.


With our finance solutions you get the benefit of:

Dealing directly with our people: From the moment you contact us to register your interest our Ruralco Finance representatives will be responsible for your onboarding and the ongoing administration of your loan.

Years of agribusiness experience: After 120 years of serving Australian farmers across their merchandise, livestock, wool trading and grain brokerage activity we’ve taken the next step in helping farmers build their businesses. Through experience we know that running an agricultural business and managing seasonal variances brings with it plenty of complexity. That’s why you can be confident you’re partnering with people who understand what it is to operate a farming enterprise and within a local rural community.

With our finance solution you can:

  • Add to your existing herd
  • Purchase feed or veterinary inputs to help finance day-to-day operations or to expand operations
  • For commercial operators buying, fattening and selling young progeny


Loan calculator

User our calculator to view the finance costs and repayments of a loan on a per head, per day basis.

Loan Calculator

Administration and establishment:

Ruralco Seasonal Finance is issued by Rabobank Australia Limited ACN 001 621 129 under AFSL 234700 and administered by Ruralco Finance Pty Ltd ACN 137 199 378 under Australian Credit Licence 367028.


Want to know more or apply?

Either contact your nearest Ruralco business, or for more information see below:

Contact us:
Tel:1300 371 677

Unless otherwise specified, the products and services described on this website are issued only in Australia by Ruralco Finance Pty Ltd ACN 137 199 378, Australian Credit Licence 367028. Please consider the relevant disclosure documents along with your personal objectives, financial situation and needs before making any financial decisions. Terms and Conditions, fees and charges may apply unless otherwise specified and all applications are subject to Ruralco Finance’s loan criteria and assessment process. These may change or we may introduce new ones in the future. Full details are available on request.

Ruralco Finance Pty Ltd

ABN 25 137 199 378

Australian Credit Licence 367 208

Ruralco Finance Pty Ltd

© 2019 Ruralco Holdings Limited