Orchard Purchase & Development
Buy, expand or redevelop citrus blocks, with structures that account for the establishment years before full production.
Agribusiness · Horticulture
Citrus Farm Finance.
Citrus is a long game. Your finance should be structured like one, from the years before young trees pay their way to the packing-season cash-flow crunch.
Seasonal & Packing Capital
Working capital for picking, packing, freight and labour, sized to the gap between harvest and payment.
Water & Irrigation
Permanent water entitlements, allocation purchases, irrigation upgrades, and frost and efficiency infrastructure.
Packing & Cold Storage
Grading lines, cold rooms, sheds and post-harvest handling for growers moving up the value chain.
A specialist approach
A lender that doesn’t understand citrus will price you wrong.
A new planting can take several years to reach commercial yield, income arrives in a tight seasonal window, and the whole operation rides on secure water. A generalist bank manager sees risk in all of that. We translate the realities of a citrus operation, the development lag, the packing-season cash cycle, and your water position, into a credit case that lenders understand and can price fairly. With access to 50+ lenders, we present your operation to the ones with genuine appetite for horticulture.
What we finance for citrus growers.
Orchard & land purchase
Acquire or expand citrus country, with serviceability assessed across your combined operation.
Replanting & varietal renewal
Fund the transition to higher-value or later-season varieties, structured around the years to production.
Water entitlements & allocation
Permanent water and temporary allocation, financed as the strategic asset it is.
Irrigation, frost & efficiency
Drip and micro-irrigation upgrades, frost protection, soil moisture and on-farm efficiency works.
Packing, grading & cold storage
Sheds, grading lines, cold rooms and handling equipment for post-harvest value-adding.
Seasonal working capital
Overdraft and revolving limits set to your peak deficit, with interest on funds actually drawn.
In depth
The citrus-specific questions we work through.
Hover or tap a card to read more.
The Establishment Lag
Hover / tap to learn moreNew and replanted blocks earn little while they mature. We structure debt so repayments build as the trees do, rather than choking cash flow in the early years.
Talk to us →Water Security
Hover / tap to learn moreYour water position can make or break a deal. We help present entitlements and allocation reliability clearly, and finance the purchase of permanent water where it strengthens the operation.
Talk to us →Packing-Season Cash Flow
Hover / tap to learn moreCosts spike at harvest, payment lands later. A seasonal facility bridges that gap, sized to your peak deficit so labour, freight and packing are covered without selling under pressure.
Talk to us →Packing & Cold Chain
Hover / tap to learn moreMoving into your own grading, cold storage or packing changes the risk profile and the funding. We blend agricultural and commercial lending to fund the step up the value chain.
Talk to us →Replanting & Varietal Change
Hover / tap to learn moreSwitching to later-season or higher-value varieties is a multi-year investment. We model the feasibility and structure terms that match the time to a paying crop.
Talk to us →Succession & SMSF
Hover / tap to learn moreHand the block to the next generation without breaking it, or hold the land in your SMSF and lease back to the operating business. Structured alongside your accountant.
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