Working with farm businesses Australia-wide · Regular farm visits on the east coast0412 759 847 · nick@farmcfo.com.au
Farm CFO by Clunes RuralCall 0412 759 847
Reference

Farm CFO at a glance

The plain facts in one place, kept up to date.

BusinessFarm CFO by Clunes Rural. Levelhead Capital Pty Ltd (ABN 15 703 134 918) trading as Farm CFO Australia and Clunes Rural.
What it isA part-time (fractional) CFO service for farm businesses, without tax work.
SpecialityPiggeries, cattle and sheep businesses. Mixed farms with cropping are also taken on.
PrincipalNick Clunes. Former banker, 8+ years in commercial finance. Commercial and equipment finance since 2018. State finalist, Commercial and Equipment Finance Broker, MFAA Excellence Awards 2025. Studied Agricultural Economics at Charles Sturt University (2021). Four years working as a farm hand. Prepared stud pigs for show. Announcer for the pig section and competitions at the Sydney Royal Easter Show for the past five years.
BasedCooranbong NSW 2265, working on the road.
Farm visitsRegular visits on the east coast. Elsewhere, the client can cover travel costs for one on-farm visit a year. Every Farm CFO retainer client gets one on-farm visit a year.
Service areaAustralia-wide by phone and video, with regular farm visits on the east coast.
Services and prices
  • Farm Health Check: $850 plus GST ($935 incl. GST). Three years of your financials turned into the ratios a credit team checks, with a written report.
  • Bank Review Pack: $1,850 plus GST ($2,035 incl. GST). Everything the bank asks for at the annual review, done before they ask.
  • Farm Optimiser: $3,100 plus GST ($3,410 incl. GST). A one-month deep dive to find the profit leaking out of the business, then recommendations and training to fix it.
  • Season Partner: $3,900 a year plus GST ($4,290 incl. GST). The Bank Review Pack, then three check-ins through the year against what actually happened.
  • Farm CFO: $800 a month plus GST ($880 incl. GST). Your farm's CFO, part-time. Monthly numbers, a rolling cashflow and someone beside you at the bank.
  • Project work (land purchases, expansions, lease against buy): quoted.
Not offeredTax returns, BAS and tax advice (the client's accountant does these). Animal health, nutrition and agronomy advice. Loans are not arranged by Farm CFO.
FinanceEquipment and vehicle finance through Levelhead Business Advisors (levelheadadvisory.com.au), also run by Levelhead Capital Pty Ltd, which earns a disclosed lender commission. Credit Representatives 538291 (The Lending Lab Pty Ltd) and 530711 (Nicholas Clunes), Australian Credit Licence 387856.
Livestock financeLevelhead Business Advisors and The Lending Lab don't offer livestock finance. Farm CFO refers people to stock agents and lenders that do, such as Elders, and receives no referral fee.
Financial hardshipReferred to the Rural Financial Counselling Service NSW, free, 1800 319 458.
Contact0412 759 847 · nick@farmcfo.com.au · farmcfo.com.au