Unlock the potential in your land
Our Future Use of Land and How to Fund it report with Lincoln University found that optimising land use by just 10% could deliver $10 billion in value to the economy.
Unlocking that value isn't just about determination, it's about having the right support.
That's why we created the Every Hectare Matters programme - providing expert independent advice alongside access to finance, so farmers and growers, including Māori landowners, can boost revenue per hectare and build a resilient future for generations to come.
Two powerful ways to help your farm thrive
The programme recognises that no two farms or farmers are the same and provides:
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Expert, independent agri-consultants who will partner with you to create a tailored, achievable plan for your land and family's future, identifying opportunities together to maximise returns on every hectare.
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A fresh take on lending. Funding based on your farm's future returns, interest-only options and ASB contributing to consultancy fees, with potential to reduce borrowing costs and improve cashflow.
The programme has been built to support hard working farmers. We know that even with strong equity, low cash flow can hold farmers back from making the most of their land.
So whether you're wanting to optimise your existing farm, or try something new, we're here to help unlock your land's full potential.
How the programme works
1. Assess your land
Evaluate current land use, productivity and environmental performance, alongside your personal and family goals.
2. Identify Opportunities
Explore your land's potential with the help of independent agri-consultants that are hand-picked by you.
3. Plan & Take Action
We will work together with you and your chosen consultant to create a plan that meets your goals and helps boost revenue per hectare.
4. Get Finance
Finance your approved land optimisation plan with up to $5 million over five years, including short-term losses. Plus, benefit from consultancy costs paid for up to $25,000, depending on the amount of approved lending.
For more detail on verification and eligibility requirements, please speak to your local ASB Rural Manager. Every Hectare Matters lending is available at ASB's discretion.
Fresh thinking for farm finance
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Fund the cost of your development, including capital expenses, operational losses, interest costs and contingencies in case things change.
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Finance up to $5 million for development for up to five years - with an opportunity to roll funding into your normal lending afterwards, subject to lending criteria.
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Stay interest-only up to the full five years if you need to.
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Access lending rates today based on future improved revenue performance on farm.
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ASB will contribute up to $25,000 (depending on the amount of approved lending) towards upfront consultancy fees to create your tailored development plan.
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Stay connected with ongoing, active support from ASB and your agri-consultant throughout your development period.
ASB lending criteria, terms and conditions apply.
Experts that can help you change how you see your farm's future
With our Every Hectare Matters programme, you'll team up with independent agri-consultants, dedicated to helping you unlock your land's full potential. Once you're on the programme, you'll work with your regional expert from our approved list, for hands-on support to achieve your goals.
Is Every Hectare Matters right for you?
Optimising your land could help you reduce costs, increase returns and unlock whenua value for the next generation.
Take a quick look at this checklist and if you can answer yes to two or more, then Every Hectare Matters could be the right programme for you.
Optimising Land Use
Have you considered how to optimise areas of your farm which have lower productivity?
Business resilience
Could optimising your land improve business resilience and help you achieve your goals? What insights and support would you need to achieve this?
Financial impact
Have you explored the costs and benefits of making changes to optimise your land?
- What capital is required?
- What funding options are available?
Succession
What are your farm succession objectives? Is your farm or farm equity a key part of your family succession puzzle?
Protecting Soils
Are there parts of the farm where soil management and/or soil structure can be improved or protected?
Reducing Carbon
Are there opportunities to mitigate, adapt, or reduce your emissions? For example:
- Native planting
- Protecting wetlands
- Reducing climate risk via drought resistant plant species
Biodiversity
Have you considered how to manage environmental and biodiverse hot spots (e.g. native bush block) on your farm?
Make-It-Happen
Do you have a plan to implement changes?
Turning sunshine into energy savings
We know that the rising electricity costs, unpredictable outages, and sustainability expectations are creating new challenges for rural businesses.
Learn more about taking the next step towards solar.
ASB's lending criteria and terms apply. Offer is available at ASB's discretion. Cash reimbursement is conditional on the applicant(s) agreeing that the loan will remain with ASB for at least 3 years from drawdown. Refer to business and rural loan interest rates and fees for fees and charges.