StockCo

What StockCo does

StockCo is an Australian specialist livestock finance provider, founded in 1995 and headquartered in Brisbane, that funds 100% of livestock purchases (including GST) for sheep and cattle producers. Its core product suite comprises Trading Finance (short-cycle purchase-and-sale funding with StockCo taking title and managing GST), Breeder Finance (up to 12-month funding of breeding females with structured principal-and-interest rollovers), and Stock Advance (advances against existing livestock to release equity without forced sale). The platform integrates with the Personal Property Securities Register (PPSR) for security perfection, the National Livestock Identification System (NLIS) for livestock tracking, and the AuctionsPlus digital marketplace, where StockCo's finance application is embedded directly in the purchasing flow.

The business operates a multi-channel go-to-market: a field-based network of regional livestock managers covering all Australian states and territories (NSW, QLD, VIC/TAS, SA/WA), an approved agent/channel partner program with livestock agents, and a digital self-serve application (6 steps, 5-10 minutes, decisions typically within 2 business days). Revenue is generated through transaction-based finance charges calculated daily and compounded monthly on drawn balances, with no application or annual service fees; an indicative rate of 1% per month (12% p.a.) is used in the company's margin calculators. The company has cumulatively funded $3.92B across 7.35M sheep and 2.48M cattle and serves 4,100+ clients as at 30 June 2025. Since May 2024, StockCo has operated as a brand within Heartland Bank Australia Limited (ABN 54 087 651 750), a digital specialist bank, following Heartland Bank NZ's acquisition of Challenger Bank.

Name

StockCo

Legal name

Heartland Bank Australia Limited

Website

https://stockco.com.au

Company type

Private

Founded year

1995

Operating status

Operating

Headcount range

11–50 employees

Short description

StockCo is an Australian specialist livestock financier (founded 1995, Brisbane) that provides 100% funding for sheep and cattle purchases through Trading Finance, Breeder Finance, and Stock Advance products, serving 4,100+ producers nationwide and operating as a brand within Heartland Bank Australia.

Ownership category

akta.pro rank

Product category

Agricultural Finance (Livestock Finance)

SIC

Finance Services (6199)

akta.pro primary industry

Inventory & Warehouse Finance (Warehouse Receipts, Stock Finance) (FSABAHAF)

akta.pro secondary industry

Supply Chain Finance (Trade Credit, PO/Inventory Financing) (FSAKAGAE)

Keywords

• Livestock finance solutions
• Agricultural lending
• Livestock trading finance
• Breeder livestock funding
• Stock advance financing

Headquarters

HQ city

Brisbane

HQ country

Australia

HQ region

Oceania

Offices3 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure

Revenue model

1. Livestock Finance (Trading, Breeder, Stock Advance): StockCo finances 100% of livestock purchase including GST. Finance charges are calculated daily and compounded monthly on the drawn balance only. Finance costs accrue throughout the trade period and are collected when livestock are sold, at which point StockCo remits the trading margin to the customer. No application fees or annual service fees.

Pricing tiers

Go-to-market motion4 records

Distribution channels5 records

Marketing channels7 records

Core offering

StockCo provides 100% livestock finance solutions to Australian livestock producers, financing the full purchase price of cattle and sheep (including GST) via three core products: Trading Finance (short-cycle trades with StockCo taking title to the livestock), Breeder Finance (up to 100% funding of breeding females with 12-month rollover cycles), and Stock Advance (advances funds against livestock already owned to release equity without forced sale). The company also supports customers via an online Customer Portal, livestock margin calculators, and digital application processing with finance decisions typically within two business days.

Product overview

StockCo offers a unified livestock finance platform centered on three core products: Trading Finance, Breeder Finance, and Stock Advance. These products work together to provide 100% funding for livestock purchases and operations. Trading Finance enables producers to buy and sell livestock without capital outlay; Breeder Finance funds the purchase of breeding females with structured 12-month repayment cycles; and Stock Advance unlocks equity in existing livestock. The platform is complemented by margin calculators for trade planning and a customer portal for account management.

Differentiator

Problem solved

Functional benefit

Products and services

• Trading Finance Finances 100% of livestock purchase price (including GST) on a short-cycle trading basis. StockCo takes title to the livestock, manages GST, and accrues finance charges on the GST-exclusive amount only. At sale, principal and finance costs are collected and the trading margin is released to the producer, providing real-time cashflow.
• Breeder Finance Provides up to 100% funding for the purchase of breeding cattle or sheep, enabling producers to expand breeding operations without tying up working capital. Repayments are structured over 12-month rollover cycles, with principal repayments of 25–33% plus accrued finance costs required to roll the facility forward. On-farm livestock assessments are conducted by StockCo representatives to confirm viable female retention.
• Stock Advance Advances funds against livestock already owned by the producer, unlocking market value to provide cashflow without requiring immediate sale. StockCo purchases the livestock at an agreed value and sells them when the producer chooses, then remits the sales margin to the producer less the original Stock Advance and accrued finance costs.
• Livestock Margin Calculators Online calculators that allow producers to estimate potential gross margins on cattle and lamb trades, factoring in weight, purchase and sale prices, daily weight gain, and indicative finance costs of 1% per month (12% p.a.).
• Customer Portal Online account access portal that allows StockCo customers to check facility balance and available limit, view transactions, and manage their StockCo livestock finance account.

Quantifiable outcome

• Funded $3.92B to purchase over 7.35M sheep and 2.48M cattle as at 30 June 2025
• +3 more outcomes

Named customers9 records

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

Feature4 records

Partnerships

Three partnerships are on record, tiered core and flagship.

• AuctionsPluscoreTechnology or Integration · 27 March 2025Australian first digital livestock finance partnership embedding StockCo's finance application process directly into the AuctionsPlus platform. Simplifies purchasing process for agents and producers, enabling faster decisions and streamlined purchase and invoicing. Existing StockCo clients can link their account to view available finance balance on AuctionsPlus dashboard. New clients can apply via the AuctionsPlus website.
• Herefords AustraliaflagshipGTM or Marketing Partner · 6 February 2025Naming partner for the 60th National Show & Sale (Wodonga), one of the largest multi-vendor sales in southern Australia. StockCo's Regional Livestock Managers attend livestock sales weekly connecting producers and agents to specialist livestock funding options. Partnership delivers value to Herefords Australia members and commercial producers through StockCo's experienced team of rural professionals.
• RuminaticoreStrategic or Co-development Partner · 20 December 20232-year pilot project partnership with Australian farmer-led software provider Ruminati. StockCo refers selected producers to the Ruminati PRIME platform for accurate emissions calculations. Producers can model methane and CO2-e abatement options, set reduction targets, and share emissions data with StockCo via Ruminati VISION platform. Partnership supports sustainable farming practices while helping producers track and improve business efficiencies.

Scale indicators7 records

Recent moves6 records

Expansion highlights3 records

Broad incumbents

• Heartland Group Holdings: StockCo's parent entity — a New Zealand-listed specialist financial services group that owns Heartland Bank Australia. Comparable as the parent platform providing funding and regulatory infrastructure for StockCo's livestock finance business, with adjacent ag and asset finance products.
• ANZ Agribusiness: Major Australian bank with a dedicated agribusiness division providing livestock and rural finance. Comparable as a broad incumbent competitor to StockCo's specialist livestock proposition, serving many of the same producer customers.
• Commonwealth Bank Agribusiness: Australia's largest agribusiness lender, offering rural and livestock finance products to producers nationwide. Comparable as a mainstream bank competitor in livestock finance with broader banking relationships but less specialist speed.
• Rabobank Australia: One of Australia's largest agribusiness banks, offering livestock and rural finance to producers. Comparable as a major bank competing for livestock producer lending, though with a broader agribusiness portfolio rather than livestock-specialist focus.

Regional players

• John Deere Financial: Captive finance arm of John Deere offering equipment and livestock-related finance to Australian farmers through dealer networks. Comparable as an adjacent agricultural finance provider competing for producer wallet share, with a different primary product focus (equipment) but overlapping customer relationships.
• Livestock Transport Finance Australia: Smaller Australian livestock and rural asset finance providers operating in regional markets with limited digital capabilities. Comparable as a regional specialist competitor in livestock-related finance, though typically with narrower product offerings and less geographic reach than StockCo.

Direct peers

• Rural Bank: Australian specialist rural and agribusiness bank (owned by Bendigo and Adelaide Bank) offering livestock finance and seasonal funding to producers. Comparable as a direct competitor in specialist agricultural lending with overlapping livestock product offerings.
• Meridian Agriculture: Australian specialist agribusiness financier providing livestock and seasonal finance to producers. Comparable as a direct competitor in the specialist livestock finance niche, with similar products and producer customer base.

Others

• AuctionsPlus: Australia's leading online livestock marketplace, with whom StockCo has an embedded finance integration. Comparable as a key distribution partner and ecosystem enabler that drives livestock transaction flow to StockCo's finance products.
• Elders Rural Services: Australia's largest agribusiness services company, providing livestock agency, real estate, and financing products to producers. Comparable as an adjacent ecosystem participant offering livestock transaction services and referring producer financing opportunities to partners like StockCo.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/StockCoAU
• LinkedInlinkedin.com/company/stockco
• Xx.com/StockCoAU

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about StockCo