RURAL LENDING
Working capital.
Liquidity for the parts of the operation that a property loan does not cover.
Rural working capital is not a retail product. The seasonal patterns, the input costs, and the timing of income in a rural operation are different from a standard business. Working capital finance that does not account for those patterns is not working capital finance — it is a personal loan with a higher limit.
Clunes arranges seasonal input finance, harvest finance, livestock trading facilities, and revolving credit for agribusiness operators. We work with lenders who understand the seasonal cycle and structure facilities accordingly.
WHAT IS TYPICAL
- Deal size
- $250k–$5m
- Security
- Rural land, livestock, or combinations depending on structure
- Lender pool
- NAB, Westpac, CBA, Bendigo, and specialist agri credit providers