Succession finance.

Succession is one of the most structurally complex transactions in rural lending. The asset is often the family home, the business, and the retirement plan of one generation simultaneously. The finance must be structured around the transition, not around a simple property purchase.

Clunes works with families on sibling buyouts, estate equalisation loans, and generational transfer structures. We work alongside solicitors and accountants rather than instead of them — the legal and tax structure must be in place before the finance can be drawn.