WHO WE SERVE
Peri-urban horticulture.
Orchards, vineyards, and intensive growers who carry land and enterprise value that standard bank lending underestimates.
Horticultural properties present a valuation challenge for lenders. The land value depends on the enterprise — an established orchard or vineyard is worth considerably more than bare land — and many lenders apply a conservative discount that does not reflect the actual security position.
Clunes works with lenders who understand intensive production, water entitlements, and the capital requirements of establishing and maintaining a perennial crop enterprise. We also arrange asset finance for the plant and equipment — irrigation systems, cool storage, packing lines — that horticultural operations depend on.
The Northern Rivers, the Hawkesbury, the Yarra Valley, and other peri-urban production zones have specific lender dynamics. Clunes knows which lenders are active in which regions.