Maybe ask to speak to someone else at farm credit,i didn't have any problems this fall buying bred cows through them.I didn't have to use property,for collateral for my loan either.Just used the cows,i owned already.Judith said:Thanks guys. I really appreciate how helpful everyone is on this board. I'll check out the co-ops and see what I can find out. Farm Credit Canada doesnt seem to be very helpful. They want property to leverage everything with. I understand from a business point of veiw but what about those of us just starting out (again