Rural financial lender Rabobank says some if its pastoral clients have refinanced with the Federal Government's low-interest loans but it is not seen as a loss of business.
Round two of the Farm Finance Concessional Loans Scheme is now open in the Northern Territory with finance available from $100,000 to $1 million.
NT and Queensland Rabobank manager Brad James says the loans are of great benefit to some pastoral businesses.
"We don't see this as a competitive pressure, not by any means.
"Our bank tries to take a holistic approach to the rural industry and the beef industry is no different," he said.
"If there is something there that helps primary producers, we're all for it."
However, Mr James says the loans don't suit all business structures and strong live cattle exports this year have gone a long way in boosting the cashflow of many operations.
"What we really need, when an article can be produced, is some continuity of price.
"There's a big layer of expenses that are fixed in everybody's profit and loss every year and those who have debt will no doubt look at it and see interest as the biggest cost," he said.
"I've heard people talk about debt crisis. I don't agree with that.
"I think it's an income crisis that we have. It's the income that we have to work on."
