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Purchasing and Financing

We're here to work with you to meet your alpaca goals. No matter what your budget, we can find a plan for you.

Our purchasing options include:

* Alpacas for No Money Down?

Would you like to start in alpacas slowly? Interested in the tax breaks of owning alpacas but not ready to put together a farm?

Would you like to purchase an alpaca at $200/month and still get the tax breaks?

Our No Money Down or Rent to Own program is designed for those who want to get started in alpacas yet do not want financing or a large cash layout. It's also perfect for the passive "Stock" investor who has no immediate (or any) plans of having a farm but wants the advantageous investment alpacas can be.

How It Works: You buy your alpaca(s) in manageable monthly payments while they stay on our farm (you can visit to learn care & training as needed). You can enjoy the tax advantages of alpaca investing immediately. To see how this can work for you, see our Case Study Example. Buy over time, at a rate that works for you.

We offer an extra discount incentive for automatic monthly payments using Master Card, Visa or PayPal..

 

* 1/3rds Layaway Option

1/3 down at purchase, 1/3 at time of delivery, 1/3 within 60 days of delivery. A way to spread out your purchase over a few months. Many farms like this simple approach.

* Lease Option

With the lease option you will "borrow" one of our mature proven female alpacas to produce a cria for you. Leasing is a wonderful way to build your herd at about 1/2 the cost of purchasing a breeding female. It is an excellent way to build a herd slowly while starting out in alpacas or looking for your farm. You will also be involved in the business, but at low risk.

There will likely be helpful tax advantages to you. The Alpaca Owners and Breeders Associations (AOBA) explains:

"The less active owner using the agisted ownership approach may not enjoy all of the tax benefits (possible), but many of the advantages do apply. For instance, the passive alpaca owner can depreciate breeding stock and expense the direct cost of maintaining the animals. The main difference between a hands-on or active rancher and a passive owners involves the passive owner's ability to deduct losses against other income. The passive investor may only be able to deduct losses from investment against gain from the sale of animals and fleece. The active ranches can take the losses against other income."

The lease contract is for 12 months at $500/mo, which includes boarding. For an alpaca which is already pregnant at the start of the leasing contract, adjustments will be made based on the anticipated birth day.

There is no breeding fee. The leased dam is or will be bred to one of our multiple award-winning herd sires. At your option, you may select a herdsire from other area farms for a nominal breeding management charge.

No credit is required. After the lease terms are satified and seven months after birth the cria is free to go home with you or can be boarded at our farm. There is no boarding fee for the cria from birth to seven months.

Additional charges would be for vet care for the newborn cria and full mortality insurance on the cria, which we strongly encourage.

Lease Guarantee
1st Choice Alpacas gives a 30-day live birth guarantee. If this guarantee is not satified, you may re-lease the dam or another dam (if available) with lease fees paid to date applied against the new lease.

 

 

* Long Term Financing Option

A standard financing contract spread over time.

  • 10-25% down
  • Interest fixed at 1% over prime
  • Monthly payments for 24, 36 or 48 months
  • The animal may go home with you. Registration stays in our name until paid in full.
  • The animal must be insured for at least the amount due, with 1st Choice Alpacas named as first loss payee.

Assuming you invested in alpacas at the beginning of the year, you could finance the animals at 1st Choice Alpacas with a rate of 1% over prime (see rate), spread over 4 years (use this handy rate/payment calculator to determine monthly amount). Depending upon your situation, the tax advantages could counterbalance your investment costs!

Other alternatives are possible. We will work with you to help you with your alpaca dreams.

 

 


Please note that specials or promotional items we may advertise do not apply to any already deeply discounted mulitple alpaca packages we may offer.

Contact us to discuss further possibilities.

-Brian & Frieda
1st Choice Alpacas




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