| “ | When you exchange fully-fattened Livestock for resources at the Livestock Market, the animal sold will be replaced with an unfattened calf. | ” |
| —In-game description | ||
Cow Loans is a technology in Age of Empires III: Definitive Edition - The African Royals that can be researched by African civilizations at the Livestock Market once the Fortress Age is reached. Once researched, whenever a fully fattened herded animals is sold at Livestock Markets, an unfattened clone of said herded animals will appear in its place.
| Market technologies in Age of Empires III | |
|---|---|
| European/Federal American | |
| Food |  Hunting Dogs ·  Steel Traps |
| Wood |  Gang Saw ·  Log Flume ·  Circular Saw |
| Coin |  Placer Mines ·  Amalgamation |
| Other |  Blunderbuss ·  Great Coat ·  Frontiersmen |
| Native American | |
| Food | Hunting Dogs |
| Wood |  Lumber Ceremony ·  Forest People Ceremony ·  Forest Spirit Ceremony ·  Deforestation |
| Coin | Placer Mines ·  Fur Dressing |
| Other |  Spirit Medicine ·  New Year Festival ·  Inti Festival |
| Asian | |
| Food |  Hunting Eagles ·  Professional Hunters ·  Hanami Parties ·  Yozakura Lanterns |
| Wood |  Water Wheel ·  Regenerative Forestry · Timber Trade ·  Tropical Timber Trade |
| Coin |  Blanket Filters ·  Flume and Ditching |
| Other |  Eastern Medicine ·  Civil Servants ·  Imperial Bureaucracy |
| African | |
| Wood |  Hardened Iron Axes ·  Selective Logging ·  Blackwood Trade ·  Ebony Exports |
| Coin | Placer Mines · Amalgamation ·  Gold Purification |
| Other |  Royal Hunters ·  Tribal Societies ·  Royal Banquet ·  Transhumance ·  Cow Loans |