WHO WE SERVE
Agri-processing SMEs.
Processors, cold-chain operators, and food manufacturers who sit between the categories that bank credit teams are built to handle.
Agri-processing businesses occupy a difficult position in the lending market. They are too specialised for standard business banking — which does not understand the asset base or the trading cycle — and too rural for most commercial brokers who work with urban property security.
Clunes works across the non-bank and private credit panel to find facilities that match the asset base and trading cycle. For plant and machinery, we arrange chattel mortgage and hire purchase. For property, we place with lenders who understand processing facilities. For working capital, we work with lenders who understand seasonal input costs and forward contracts.
Private credit is often the right product for agri-processing. It is not a last resort — it is a different product, with different pricing and covenant structures, that fits businesses that banks are not well-positioned to assess.