The Bank Said No. We'll Get You to Yes. Accepted In 48 Hours*. 100% Free.
Skip the bank BS, the endless docs, the weeks of back-and-forth — we cut straight to yes.
Most of our clients spent months being told no before they found us. The ones who called first got the deal done first.
No financials needed to start. No commitment.
✓ No credit check at this stage
Farm land purchase & expansion
Machinery & equipment finance
Farm infrastructure & improvements
Crop & seasonal finance
Working capital & cash flow
Refinance & debt consolidation
Vendor finance & complex structures
Tax debt scenarios
Missed repayments & arrearsOther lenders want a thousand documents.
All we need to know is: what's the paddock worth?
Banks and generic brokers treat farmers like any other borrower — then panic when the paperwork doesn't look like a salary. Seasonal income. Rural property. Trust structures. Tax debt. To them, those are red flags. To us, they're just farming.
We cut out the runaround. No weeks of back-and-forth. No dead-end assessments. One call, one specialist, a straight answer — and a path forward if there is one. We won't waste your time, because we know you've got a property to run.
Real Deals We've Closed
Every one of these was knocked back by a mainstream lender. We found a way.
400+ acres
structure
split structure
structured
no doc history
low-doc package
dry season
asset-assessed
Fit a Template.
Neither Does Your Finance.
Three Steps. No Jargon. No Runaround.
We've stripped out the complexity so you can focus on the farm, not the paperwork.
Tell Us Your Situation
Fill in the quick form above. 60 seconds. No financials needed at this stage — just the basics so we understand what you're working with.
We Find Your Lender
Our specialist brokers review your deal and match you with lenders who understand farming, rural income, and complex deal structures.
Get Accepted
We handle the lender relationship, chase the paperwork, and guide you through to settlement. You focus on running the farm.
Most brokers will take your file, call three banks, and come back with a no.
We're not like everyone else.
Generic brokers are built for clean, simple deals — because that's where the easy money is. CreditPath was built for everything else. The low-doc scenarios, the tax debt, the complex structures, the private lender traps.
If your deal was simple, you wouldn't be here. So let's stop pretending a standard broker is going to solve a non-standard problem.
Not a Bank. Not One Lender. Something Better.
A network of specialist brokers and lenders built for farmers and complex deals that mainstream lenders can't handle.
| CreditPathBroker & Lender Network | Banks & Generic BrokersStandard options | |
|---|---|---|
| Specialists in farming & rural financeSeasonal income, rural valuations & complex structures understood | ✓ | ✕ |
| Can finance complex structuresTrusts, partnerships, multi-title, mixed-use properties | ✓ | ✕ |
| Accepts seasonal & irregular incomeNo penalty for harvest cycles or year-to-year variance | ✓ | ✕ |
| Works deals banks have already declinedWe reframe and find lenders who will say yes | ✓ | ✕ |
| Response within 48 hours*You'll know where you stand — fast | ✓ | ✕ |
| 100% free to youBroker paid by lender — you never pay a cent | ✓ | ✕ |
| No credit score impact to check eligibilityWe assess before any hard enquiry | ✓ | ✕ |
Straight Answers. No Bank Speak.
The questions farmers ask us most — answered plainly.
Yes — 100% free to you, always. CreditPath brokers are paid a commission by the lender when your deal settles. You never pay a cent in fees. No application fee, no obligation. If we can't help, we'll tell you straight — and you're still not out of pocket.
No — not at this stage. Filling in the form and talking to a specialist involves zero hard credit enquiries. We assess your situation first, then only proceed with a formal application when you're comfortable and we've confirmed there's a strong path forward.
That's exactly who we're built for. A bank decline isn't the end of the story — it just means that lender's checklist didn't fit. Our network includes regional lenders, specialist credit providers, and private funders who assess the actual deal. We've settled deals with tax debt, arrears, complex trust structures, and multi-title properties — all after a mainstream bank said no.
Our focus is asset-backed or equity-supported lending — deals where there's real security behind the borrowing. Refinancing out of private or short-term lenders, business owners leveraging property for cash out, farm land acquisitions, debt consolidation, low-doc scenarios, and complex trust/partnership structures. Deal size starts from around $500k, with our sweet spot in the $1.5M+ range.
Often, yes. Tax debt, missed repayments from a tough season, or being stuck on a short-term lender at 18–22% — these aren't automatic deal-breakers for our network. We look at the whole picture: your assets, your plan, and where you're heading.
Yes — that's the whole point. Banks panic when they see income that looks irregular on a spreadsheet. Harvest cycles, livestock sales, seasonal contracts — the lenders in our network understand that farming income doesn't look like a salary, and they know how to assess it properly.
Yes — we operate nationwide. We've settled deals in QLD, NSW, VIC, WA, SA, and beyond — from coastal dairy country to remote cattle stations. Our lender network includes institutions with strong regional and rural coverage across every state and territory.
Still on the fence? Ask yourself this.
What's the cost of not finding out? Another door that never opens. Another week watching a deal slip away because you couldn't get the funding across the line.
The form takes 60 seconds. The call takes a few minutes. And if we can't help — we'll tell you straight, right then and there.
There's no downside to finding out. There's only a downside to not trying.
Don't sit on this
Every Day You Wait
Is Another Day At The Wrong Rate.
The deal you need exists. The lender who'll say yes exists. The only thing standing between you and a straight answer is a 60-second form.
No credit check. No cost. No obligation. If we can't help, we'll tell you immediately.
Get Accepted In 48 Hours* →Your Data is Safe
Your information is encrypted and never shared without your permission.
No Impact on Credit
Chatting with us won't affect your credit score. We only proceed when you're ready.
Real People
You'll speak with an actual person who understands rural lending — not a call centre.