Horticulture Finance for New Zealand Growers
Whether you're investing in new plantings, purchasing additional land, financing orchard development or planning for succession, Rabobank provides specialist banking and finance solutions for New Zealand growers.
As New Zealand's specialist food and agribusiness bank, our entire business is focused on supporting farmers and growers. Our Rural Managers understand the horticulture sector and can help you make informed decisions at every stage of your business journey.
Insights shaping the future of horticulture
Our Rural Managers are supported by specialist analysts, industry research and global market insights, helping horticulture businesses make informed decisions through changing market conditions.
The All In One loan account is the ultimate farmers account
Banking designed for growers
Horticulture businesses face unique cashflow challenges. Establishment costs can occur years before orchards begin producing income, while harvest revenue and export returns often fluctuate seasonally.
The Rabobank All In One loan account gives growers the control to manage lending and cashflow more effectively by bringing everyday banking and lending together in one account.
Terms, conditions and lending criteria apply.
Benefits for growers
Helping our clients grow
Julian Family, Whakatāne
25ha kiwifruit | 6ha boysenberries
Craig and Lani Julian are second-generation growers who have built a successful horticulture business based on kiwifruit and boysenberries. With plans to expand their Gold kiwifruit portfolio and invest in future development, they see significant opportunities for growth in New Zealand horticulture.
"Rabobank has always been supportive. They sit down with us every year and look at our equity ratio and have a conversation around the next step."
Whether you're financing new plantings, investing in expansion, reviewing existing lending or planning for succession, our Rural Managers can help you explore the options available to your business.
Talk to a Rural Manager today
Put our horticulture expertise to work.
Prefer to get in touch online instead? Simply fill out the form below.
You might also be interested in
We're here to help
Our friendly Client Services team is here to support you. You can also browse more frequently asked questions in our Support Hub.
Contact your local Rabobank Rural Manager and discuss your lending requirements. We'll take the time to understand your agribusiness, future plans and goals, then work with you to explore the lending options that may suit your needs.
Lending is subject to lending criteria, terms and conditions and approval processes.
Rabobank supports a range of horticulture businesses, including growers, orchardists and other primary producers. We work with businesses across different sectors and stages of growth, taking the time to understand each operation's production cycles, cash flow requirements, business goals and long-term plans.
Our specialist food and agribusiness banking expertise helps us explore lending solutions suited to the needs of the horticulture sector.
Lending is subject to lending criteria, terms and conditions, and approval processes.
Yes, finance may be available for a new planting or orchard development before it produces income. When assessing a lending application, we consider factors such as the proposed crop, production timelines, cash flow profile, business strategy and the long-term viability of the operation. Each application is assessed on its individual merits.
Lending is subject to lending criteria, terms and conditions, and approval processes.
Horticulture businesses often have seasonal cash flow, establishment periods and production timelines that differ from those of many other businesses. When assessing lending requirements, Rabobank takes these factors into account, recognising that growers and orchardists may require significant upfront investment and may take time to generate returns.
We work to understand your production cycle, business objectives and long-term plans to help determine a lending solution that aligns with the needs of your operation.
For businesses with seasonal or irregular cash flow, Rabobank's All In One loan account may also help reduce interest costs by allowing surplus funds from harvest proceeds or other income to offset the loan balance, reducing the amount of interest charged while those funds remain in the account.
Lending is subject to lending criteria, terms and conditions, and approval processes.
A change in ownership or succession arrangement may result in a review of the business structure, lending arrangements and future financing needs. We encourage clients to talk with their local Rural Manager early in the process so we can understand their plans, discuss the options that may be available and help support a smooth transition.
Lending is subject to lending criteria, terms and conditions, and approval processes.
Rabobank works with businesses across a range of horticulture sectors and at different stages of their business journey. Whether you're considering a new investment, expanding an existing operation or planning for succession, your local Rural Manager can discuss your specific funding requirements and help you explore the options that may be available for your business.
Lending is subject to lending criteria, terms and conditions, and approval processes.