All In One

Keeping you competitive

in the short & long term

To remain competitive, you need a financial solution that gives you the flexibility and cash-flow to fund your farm operations.

Combining transaction and loan facilities in a single account, and effectively acting like a revolving line of credit, the All In One makes managing your finances easy and gives you access to working capital when you need it .

Flexibility and convenience

Freedom to pay down debt in good times with no penalties if you repay your variable rate loan early
Ability to access capital quickly by redrawing funds when you need them, without penalty
Flexibility to adjust your repayments to alleviate any cash-flow pressures
Range of interest rates can be fixed online or by phone on any portion of the loan for 30 days to 5 years (with no further documentation) including forward bookings, giving you greater control over your interest rate risk
Trade facility so you can buy goods in foreign currencies through a single account
Choice of phone, online banking and mobile banking plus Debit MasterCard and cheque book facilities
Multiple All In One accounts are available

Making life easier

Easier reduction of core debt Save time transferring money between accounts and reduce interest as income automatically goes against debt, reducing your loan balance.
More control It’s self managed, essentially acting like a revolving line of credit.
Easier to manage Removes the need to apply for and manage individual loans.
Ideal for cash flow management and maximising efficiency of busy, time poor farmers.
Pay interest when it suits Interest payments can be timed to suit your peak income periods with no minimum repayment as long as you remain within your loan limit.
Ability to plan long term with an interest-only loan period of up to 15 years.

At the

farm gate

“The All In One account is great as it gives us the ability to pay down debt when our business cash-flow allows us to, as well as the flexibility to re-draw on those funds at any time that we need them. ”
David Sharland, Dairy Farmer, Manawatu

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