v3.26.1
Borrowings
6 Months Ended
Dec. 31, 2025
Borrowings [Abstract]  
Borrowings

8. Borrowings

 

Secured bank loan

 

In February 2024, the Cootamundra Oilseeds Pty Ltd, obtained a AUD$14 million bank facility to fund the expansion of the Cootamundra facility. The Company has deployed the AUD$14 million bank facility as follows: (i) AUD$4 million was allocated for equipment finance, (ii) AUD$8 million for working capital to purchase canola seed with max trade advance tenor of 120 days with BBSY plus 1.5% margin rate per annum, and (iii) AUD$2 million for interest only loan over three years with interest rate of variable base rate minus a margin of 3.48% per annum for business growth and working capital related to the crushing plant’s expansion.

 

On February 14, 2024, the Company issued a note for an equipment loan to the Commonwealth Bank of Australia in an aggregate principal amount of AUD$4,000,000 (the “Secured Bank Loan”). The note has a term of 60 months and a variable interest rate of 7.95%. The Secured Bank loan is payable in twenty (20) quarterly payments of AUD$244,643, commencing on May 19, 2024. Commonwealth Bank of Australia, as senior lender, has a total of $2 million secured by first mortgages over the Company’s freehold land and buildings. The financial assets pledged as collateral represent a floating charge and cannot be disposed of without the consent of the financier.

  

The following table summarizes outstanding borrowings as of December 31, 2025 and June 30, 2025.

 

   

Unaudited

December 31, 2025

   

Audited

June 30, 2025

 
    AUD$     AUD$  
    Current     Non-Current     Total     Current     Non-Current     Total  
             
Equipment Finance secured bank loan     974,450       1,814,399       2,788,849       3,163,362               -       3,163,362  
Trade finance facility     5,887,086       -       5,887,086       1,219,430       -       1,219,430  
Other loans     -       41,126       41,126       89,344       -       89,344  
Interest only secured bank loan     -       2,000,000       2,000,000       2,000,000       -       2,000,000  
Total secured bank loan     6,861,536       3,855,525       10,717,061       6,472,136       -       6,472,136  

 

The future payments of the equipment finance secured bank loan as of December 31, 2025 were as follows:

 

Calendar year   AUD$  
2026     978,573  
2027     978,573  
2028     978,573  
2029     251,190  
Total payments outstanding     3,186,909  
Less: accrued interest     (398,060 )
Total equipment finance secured loan outstanding     2,788,849  

 

The following table summarizes the outstanding Convertible Note as of December 31, 2025 and June 30, 2025:

 

    Unaudited December 31,
2025
    Audited
June 30,
2025
 
    AUD$     AUD$  
Principal value of Convertible Note       -       1,590,100  
Debt discount, net of amortization     -       (420,410 )
Convertible Note     -       1,169,690