Expansion of Cattle Breeding and Pasture Development

• Credit score B

The loan applicant is a skilled farmer running a diversified business, including cattle breeding, arable farming, and garden maintenance. He now aims to transition from selling calves to raising them to breeding-age heifers, which is expected to improve margins and profitability. To support this shift, the farm is applying for a 4-year loan to cover increased working capital needs and investment in reclaiming and fencing pasture land. The loan will provide necessary liquidity for feed and infrastructure during the expansion phase. The farm operates with a stable income stream and has historically low risk, with additional financial resilience through off-farm income.