Livestock and stock finance in the Hunter Valley.

Hunter Valley livestock finance spans two distinct enterprise types. The first is commercial beef production — backgrounding and turn-off operations that run through Singleton, Muswellbrook, and the broader Upper Hunter. The second is the thoroughbred horse industry centred on Scone, which is the largest horse breeding region in the southern hemisphere.

Commercial beef facilities are typically structured as stock-mortgage lines against branded or tagged cattle, with revolving credit to fund the buy-in cycle. The Upper Hunter's access to both quality stock and reliable pasture makes it an attractive credit proposition for specialist livestock lenders.

Thoroughbred and equine finance requires a different approach — bloodstock valuations, agistment income, and stud fee receivables all form part of the credit picture. Clunes has placed equine-adjacent facilities and understands how to present this asset class to lenders who are not specialist horse lenders.