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FINANCING

Board must approve the member limit prior to purchase

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Individual Members

  • New Member to Industry: $187,500 Maximum

  • Experienced Member: $437,500 Maximum

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Joint or Partnership Members

  • New Member to Industry: $312,500 Maximum 

  • Experienced Member: $750,000 Maximum

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These limits are per farm family ( ie. father/son, two brothers, one farm location). The Board of Directors have the authority to set lower maximums for any given individual. 

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100% financing on purchases up to the maximum ATB per head limits at the time of financing. Refer to Current Rate Sheet for the current limits, fees & interest rates.

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Any amount over the maximum amount per head allowed, will be the responsibility of the member to pay to the Co-op, and the Co-op will then pay the seller the full price of the invoice. ATB reviews the per head limits periodically and may be adjusted accordingly based on current market values. Loans may NOT be used to refinance cattle from another Breeder Co-op!

 

Repayment Terms

Cattle

  • Open Replacement Heifers - 1 year (once bred can be rolled into a Bred Heifer Loan, which pays out the Open Heifer Loan.

  • Bred Heifers - up to 6 years

  • Bred Cows aged 5 and under - 5 years

  • Older Cows over 5 years olds - age of cow and loan term = 10 years

  • Cow/Calf Pairs - same as above depending on age

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Sheep / Goats

  • Ewe Lambs up to 15 months old - 4 years

  • Yearling Ewes under 2 years old and have lambed once - 4 years

  • Goat Does under 2 years old - 4 years 

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Member will be required to sign the Supervisor’s Report at least annually to indicate he has been at your farm to inspect the cattle and/or calves. Random audits may be done with the Supervisor and an Independent Auditor to ensure that the right number of head are currently on hand.​

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