Breeder cattle financing

Financing for bred heifers, young cows, and cow-calf pairs.

The Breeders Division supports eligible producers purchasing or maintaining breeder cattle, with clear program expectations and direct office support.

Request Breeder Financing Call the Office

Up to $1 Million per yard3 or 5 year termsNo prepayment penalties

Breeding Stock Financing

Built for Breeders.

Financing for cows, bulls, and breeding stock — structured around the realities of a cow-calf operation.

$1MLoan amount up to $1,000,000 per yard, upon approval.

15%Pooled security deposit required.

3 / 5Choice of 3 or 5 year terms.

Dec 1Yearly fall payment due date.

Program Particulars

Eligible livestock: bred heifers, young cows, or cow/calf pairs.
Minimum loan: 5 head or $5,000.
$200 lifetime non-refundable membership fee.
$12 per head/per year administration cost.
One-time $125 setup fee for Security Agreement registration.
First year administration and Group Protection Plan costs may be written into the loan amount.
All financed cattle must carry the Foothills Livestock Co-op brand.
Must own land or have a co-applicant who does.

Rates, Protection & Purchasing

Interest options: floating Prime + 1% or fixed rate determined from time to time.
Mandatory Group Protection Plan applies.
Accidental premium: $3.50 per head per year.
Full Mortality premium: 1.5% of cow value per year.
Deductible will apply.
Purchases may be through Auction Marts or Private Treaty.
Private Treaty purchases require a Certified Brand Inspection payable by the Member.

Cow/Calf Pair Loan Breakdown

The cow and calf portions are connected, with the cow portion treated differently than the calf portion.

75%

Cows

75% of the financed amount. The cow portion is interest-only for the first year, with the first principal payment made the following year.

25%

Calves

25% of the financed amount. The calf portion is due December 1 of the current year unless calves are sold earlier.

Ready to get started with breeder financing?

Call or message the Foothills office to discuss your breeder cattle financing needs. The team is ready to walk you through program details and next steps.

Apply for Financing

Start your loan application online. Choose the form that fits your situation and submit directly to the office.

Individual Loan Application

Complete application package for individual producers applying for breeder cattle financing.

Open Form

Business Loan Application

Application package for business entities, partnerships, or corporations seeking cattle financing.

Open Form

Producer Consent Form

FCC producer consent authorization. Required for financing arrangements with Farm Credit Canada.

Open Form

Claim Forms

File a claim for breeder cattle losses covered under the protection plan.

Breeders Full Mortality Claim

Submit a full mortality claim for breeder cattle losses covered under the protection plan.

Open Form

Breeders Accidental Death Claim

File an accidental death claim for breeder cattle with the required documentation.

Open Form