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Seasonal working
capital for your farm

Turn your farming plans into reality with quick
access to pre-qualified finance.

You've got finance

Pre-qualified up to $100,000

Apply online now Check your eligibility

 

Figured farmers know their numbers.

That’s why we’re keen to fund your farming ambitions.

Getting quick access to additional funds shouldn’t require a matching outfit and a trip to the bank. Figured Lending is on the job. Because we know you’re on top of your numbers. We’ve teamed up with Heartland Bank to give Figured farmers quick access to pre-qualified funding up to $100K.*

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Figured Dairy Flexi Credit

Seasonal working capital for contract milkers and sharemilkers

Cover operational expenses, plant & equipment purchases, and unexpected expenses - and pay interest only on funds used.

Revolving credit from $10,000 - $100,000 to cover cashflow and unexpected expenses

Available to Figured software customers - Dairy Sharemilkers and Contract Milkers (NZ only)

Flexible term up to 12 months

Fast application and decision*

Funding possible within 5 working days from the date of signing*

No asset security required (GSA and personal guarantee required)*
Apply online now

Check your eligibility

Applicants must meet the following criteria:

  • You’re a dairy contract milker or share milker

  • You have access to an active Figured account on a Farm Manager subscription

  • You are over 18 years old

  • You are a New Zealand Citizen or Permanent Resident

  • Your business is a registered New Zealand business (with a valid NZBN/IRD number)

Applicants must also pass satisfactory AML/identify checks and demonstrate a satisfactory credit history on all business directors/guarantors. A GSA and personal guarantee is also required.

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What do I need to apply?

You must have an active Figured account and completed a 12-month forecast for the new season.

To apply for a Figured loan up to $100,000, simply:

  1. Add your 12 month cashflow forecast within Figured

  2. Complete the application form (5 min, promise)

  3. Your loan could be pre-approved within 24 hours*

Frequently Asked Questions

Need more information? Check out our FAQs page

Read the FAQs
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Don’t wait to get funding for your farm business

Interested to find out more? Get in touch and we'll be happy to answer your questions.
Or if you're ready, submit an application to apply for financing with Figured Lending.

Apply online now
Get in touch

We're helping NZ farmers turn their farming ambitions into reality

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Longstream Farms, Ashburton

Watch how Ryan & Emma secured fresh capital from Figured Lending when their bank wouldn’t come to the party.

Watch the video

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C&C Dairies, Southland

Read how Colin & Chelsey’s application for a six-figure line of credit, with no asset security required, was pre-approved in just three days.

Read the story

Important information

*Heartland Bank Limited’s lending criteria applies and approval time depends on when supporting documents are provided. A GSA and personal guarantee are required. Lending for any vehicle over the value of $5,000 is subject to a SSA.
**Applications above $100,000 do not fall within Figured Lending’s standard approval process and will be referred to Heartland Bank Limited's credit team for review. Alternatively, up to $100,000 could be covered by Figured Lending with the remainder paid directly to supplier.

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