Livestock and stock finance in Northern Inland NSW.

Beef cattle in Northern Inland NSW are predominantly run on the lighter country north and west of the core Liverpool Plains — the Narrabri and Moree districts, the upper Namoi and Gwydir catchments. These are backgrounding and turn-off operations that work alongside cropping enterprises, using stubble and fodder crops to improve margins.

Working capital for Northern Inland operators often involves both a crop finance component (seasonal input finance against standing crops) and a livestock component (stock-mortgage against the beef herd). These can be managed as separate facilities or as part of a single revolving line, depending on the lender and the operator's preference.