Financing

Livestock finance: preparing a project for current programmes

Understand ACC programmes at 5% and 6%, the scope of Damu guarantees and the calculations to prepare before applying.

Zengi Group editorial teamUpdated: 23 September 2026

Start with the use of funds and the project calendar. Breeding stock purchases, feed working capital and construction create different cash flows. An attractive interest rate alone does not mean that the chosen programme can finance the entire farm budget.

Separate investment from working capital

ACC direct financing under Igilik and Bereke lists 6% annually for breeding livestock purchases. A separate livestock working-capital programme lists 5%. First divide expenditure into animals, buildings, equipment, feed, wages and reserves. Assign a funding source and payment month to each item, and discuss a mixed-purpose budget with the lender separately.

Understand what the guarantee covers

The specific Damu agribusiness working-capital programme provides a guarantee of up to 85% of principal for loans up to KZT 1.5 billion, with borrower collateral of at least 15%. This is neither a grant nor a universal investment rule. Show collateral, any proposed guarantee, equity and loan repayment obligations separately in your funding table.

Prepare evidence as well as a presentation

Collect land and facility documents, existing debt information, supplier quotations and a feed-base assessment. Relate the proposed herd purchase to housing, water, staffing and sales capacity. Model receipts and payments by month. Recalculate a delayed-start scenario: identify costs that would already be running and how the temporary cash shortfall would be covered.

Confirm terms before irreversible spending

Before paying a supplier deposit, request the selected lender’s current eligible-cost list, security requirements and review process. Record when terms were checked: programme pages change, and delivery channels can have different requirements. Preparation should produce an agreed budget structure, supporting documents and an open-questions list. The financing institution makes the lending decision after its own assessment.

Build one funding map

For the first discussion, prepare one page showing total cost, your contribution, the requested amount and each component’s purpose. Add the expenditure date, repayment source and supporting document. List questions about channel availability, purchase eligibility, collateral procedures and disbursement conditions. This map helps reveal inconsistencies between the application, financial model and supplier offer.

Questions and answers

Is a business plan enough to obtain finance?

A business plan connects the calculations; it does not replace documents, security or borrower assessment. Confirm the required package with the specific lender before applying.

Does programme eligibility guarantee approval?

No. An eligible purpose is only the starting point. Repayment capacity, documents, risks and current terms still require assessment. Consulting supports preparation without guaranteeing a decision or disbursement date.

Sources

Prepared by the Zengi Group editorial team using the listed sources and project preparation experience. Programme terms and requirements are checked for each individual project.