Cow Loans
Cow Loans is an Age of Empires III technology available to Africans from the Fortress Age, researched at Livestock Market. It Fattened herded animals sold at Livestock Markets spawns an unfattened one.

Research profile
- Age
- Fortress Age
- Civilization
- Africans
- Research location
- Livestock Market
- Research time
- 30 seconds
- Wood cost
- 300
- Coin cost
- 300
- Effect
- Fattened herded animals sold at Livestock Markets spawns an unfattened one
Effect & research conditions
Available to Africans from the Fortress Age. Research it at Livestock Market. Effect: Fattened herded animals sold at Livestock Markets spawns an unfattened one. Research costs 300 wood, 300 coin. Research takes 30 seconds.
Research condition
Available to Africans from the Fortress Age. Research it at Livestock Market.
When to research
Cow Loans changes the result of selling a fattened herded animal at the African Livestock Market: the sale also spawns an unfattened animal that can begin another fattening cycle. Research it in the Fortress Age for 300 Wood and 300 Coin, then keep the market and livestock route safe enough to use the repeat cycle. This is not an automatic Coin trickle or a bonus to all animal sales; it depends on fattened herded animals being sold at the specified building. It takes 30 seconds to research, so compare the long-term livestock plan with immediate unit production before committing.
Replace sold livestock
Cow Loans is a Fortress Age African technology at the Livestock Market. It costs 300 Wood and 300 Coin and takes 30 seconds. Selling a fattened herdable animal at a Livestock Market then spawns an unfattened replacement. It supports repeated livestock use rather than increasing the sale value.
A continuing livestock cycle
The upgrade helps when animals can be protected long enough to fatten and sell repeatedly. A replacement still needs time and a safe location before it returns Food or Influence, so the income is not immediate. Consider Market space and worker attention before researching.