WHO WE SERVE
Equipment-heavy mixed enterprises.
Operations that combine cropping, livestock, and contracting, carrying both property debt and significant plant and equipment.
Mixed enterprises — operations that combine cropping, livestock, and contracting — often carry a mix of property debt and significant plant and equipment. The balance sheet has multiple layers, and the finance requirements span both rural lending and asset finance.
Clunes places both sides of the balance sheet, working across the rural lending and asset finance panels simultaneously. For cropping operations with large plant requirements, a coordinated approach — property through one lender, plant through another — often produces better terms than placing everything with the same institution.
Contracting businesses that carry significant plant values but limited property security are a segment we work with specifically. The asset finance panel for this segment includes lenders who can assess the business cashflow rather than requiring real property security.