Agricultural finance in Central Queensland.

Central Queensland is beef country on a national scale. The region has carried around 3.5 million head of cattle, close to a third of the state's herd, and Rockhampton calls itself the Beef Capital of Australia for good reason: two of the country's largest processing plants, the state's biggest livestock exchange, the triennial Beef Australia expo, and the breed societies that sit behind the national herd. Out west around Emerald and the Central Highlands, grazing runs alongside cotton, grain, citrus and fodder on irrigated country.

With the Eastern Young Cattle Indicator trading near its highest since 2022, the numbers on a herd are large and the timing is unforgiving. Buying breeders, restocking after a dry run, or holding cattle to turn off into a strong market all take capital at the point a bank is slowest to commit. Private agricultural finance is what lets a Central Queensland producer move on stock at a sale rather than miss it waiting on a branch.

Because this is cattle country, most of what we arrange here is livestock finance. A purchase can be funded to 100% of price, secured against the cattle through a PPSA registration, with trading stock repaid when it is sold and breeders, which earn steadily, on monthly or quarterly terms instead. Nothing has to come out of the property to buy the stock.

Land runs on its own line: grazing and farmland purchase or refinance to around 65% of value, more for development, and it can be stacked with the livestock facility so aggregating country and stocking it are funded together rather than against each other.

We are based on the Gold Coast and arrange finance for producers across Central Queensland, from the grazing country around Rockhampton and the Fitzroy to the cropping and cattle around Emerald and the Central Highlands. The valuer works the property on the ground; we run the lender and the paperwork from here.