Livestock finance funded against rural land equity.
Livestock finance in Australia is usually offered either as a stock mortgage or as a line within a rural banking facility, and both can move slowly relative to a saleyard or online sale. Envision Private takes a different route: we arrange short-term private credit secured by the rural real property you already hold, and those funds can be applied to a livestock, feed or plant purchase. Facilities are arranged on behalf of wholesale investors, sophisticated investors and family offices, are business or investment purpose only, and Envision Private is not an NCCP-regulated lender.
When it makes sense
- Restocking after drought, flood or a destocking decision
- Buying cattle or sheep at a sale before a bank facility is approved
- Funding a trading opportunity where margin depends on entry timing
- Feedlot intake, feed and agistment costs across a turn-off cycle
- Bridging between a stock sale and the receipt of proceeds
- Replacing a stock facility a bank has declined to renew
Indicative loan parameters
| Security | Australian rural real property (not the livestock itself) |
| Loan size | $250,000 – $20,000,000+ |
| Ranking | 1st or 2nd mortgage, or caveat |
| LVR | Up to ~65% of rural land value |
| Term | 3 – 24 months, aligned to the turn-off or sale cycle |
| Purpose | Business and investment purpose only |
How the process works
- Purpose and timing — what stock is being bought, when, and how it is sold.
- Security review — rural title, existing encumbrances and available equity.
- Indicative terms — pricing and conditions in writing within 24 hours.
- Valuation and legals — rural valuation and security documentation.
- Settlement — funds advanced ahead of the sale or intake date.