negotiate and refinance


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Qualified Consultants
Greg Bloomfield FCA, CPA, ACIS, FICD, 
Pat Murray CPA, MAcc, BA(Econ)
35+ years experience

managing and consulting on family farms & businesses on loan applications, refinance, debt negotiation & mediation.


As consultants to farmers needing to borrow or refinance with the bank, we believe, you should never have to struggle with high loan repayments that aren't tailored to your individual farm needs. With GBAC Farm Loans and Debt Solutions, we'll do the hard work and negotiate your loans for you, so your burdens and debts are minimised and you can focus on farming.



Your problems are our problems

If you think your problems are 'too big' for us to handle, don't! No debt is too much at GBAC, and it is rare we're unable to solve our client's issues.

experienced farm bank borrower consultants

Relieve your stress and unnecessary loan pressures. We can handle those tricky situations and improve your banking relations.

committed to the best outcomes

Our commitment as Farm Bank Borrower Consultants is rewarded by happy secure and profitable farm families able to save money and look forward to a debt-free farming future.


We Specialize in Farm :

Banking relationships on behalf of borrowers
Competitive and suitable loan offers

Debt mediations and negotiations
Loan Applications and Refinance
Complete Loan management
Budgets and Profitability

Succession Planning
Fighting foreclosure
Financial Analysis

banking relations and mediation


We were the first Bank Borrower Consultants...




The first bank borrower consultants to help farmers in trouble with debt as soon as banking was deregulated in 1987.


We know farming and business



knowledge and experience

Greg Bloomfield is a 4th Generation farmer who has bred his own sheep and cattle on substantial farms in NSW.  Greg's Great Grandfather John Hyland settled, cleared and ran stock on "Bettowynd" at Araluen and hour of Braidwood. His Grandfather Lindsay Bloomfield ran sheep and cattle on "Guntiabah" at "Coonabarabran".  Greg rang sheep on "Burrabelong" at Tullamore and cattle at "Condry" Araluen, the best 3.300 acres of John Hyland's land.

Greg was a Foundation Fellow of the Institute of Company Directors having been a Fellow of the Institute of Directors from the age of 24 years He has run businesses in real estate development, equipment hire and art hire.

Pat Murray has a Masters degree in Accounting and a degree in Economics having had extensive experience in financial management.
Pat has 10 years of assisting Greg's family with cattle operations at "Condry" and a decade in forensic investigation of bank conduct towards the farming community and is passionate about identifying breaches of the banking code of practice, state and federal laws.
She has 25 years experience as a business partner in financial analysis, budgeting and forecasting and project accounting.

Our firm is committed to helping farmers in every state and territory of Australia to receive fair treatment from their banks.

Our past record





Over the years we have consulted farmers and businesses in every state and territory and in most cases arranged for their banks to write off a portion of the debts and sometimes refinance the balance elsewhere.

We have had a 100% of debts written off twice and as much as $5 million written of a single debt.
We have stopped numerous foreclosures and forced sales.
We have worked closely with highly respected Rural Financial Counsellors who provide a wealth of knowledge on farm grants, government funding etc. and are highly skilled at preparing financial data for farmers to provide to the bank. 
By working with them we avoid duplication, cut costs and confer to solve problems.





Whilst assistance from authorities and counsellors who are funded by banks can be extremely helpful, in many ways they probably must choose the banks side in any dispute, and so not appropriate for serious negotiations with banks.






As we are based well away from your local town or city, there is no chance of your private matters becoming a matter of local gossip.
The information you give us goes no further without your written express authority.  We work for you exclusively.  We never have and never will accept payment or commission from any bank.

Biggest $$ write off
Biggest % write off
% debt problems resolved
Years of experience


Thank you for all your help and support during this very trying time for us, we could not be happier with the outcome.

We thank our lucky stars that we found you via Google - it was a gamble for us but it certainly worked.

We are certain that we will come across people needing your services and will of course refer them.

Silvia and Angus 2020

Good morning Greg

Richard and I were so very fortunate to have found you on the Website. Our family had four weeks to leave our farm and everything we owned. From day one of our email communications we knew you were thorough. You stood up to our bank .....You picked us up during our lowest points and depths of despair.... You felt how we felt through the whole six months....Your strength in your writing and reporting allowed us to ‘BEAT THE BANK’… and we’ve never met you in person. Sincerely thank you for the work that you did, and the tools you gave us to move positively forward in life. We will be indebted to you until the day Rick and I retire.

Joan WA Wheat belt
Thanks for your recent assistance in taking on the banks and successfully negotiating a very positive result for my client. Without your specialist knowledge on bank debts and your skills at research and negotiation, our clients would have undoubtedly lost their home and their business. We were all impressed to have won the showdown with the bank and its high-powered lawyers. How nice to see the bank write off in excess of $400,000 and the home saved. Our clients are most grateful. Thank you again.
Robert CPA Sydney NSW
Thanks to GBAC helping us successfully fight off the bank and avoid certain bankruptcy we are now home owners once again. GBAC are the ultimate professionals in their field and truly care for their clients. We will be forever in their debt and would most definitely recommend their services to anyone facing challenges with their bank.
Bernadette and Tim

Hi Greg,

Thank you for your email. Everything seems to be working well with our new bank. Thank you

Rob. QLD
Thanks Greg - It was such a great turn around you helped us achieve for Mum and Dad.

Melissa Western NSW

Hi Greg,

Good to hear from u. U certainly did the (insurance recovery) jobs 4us.

Roberto VIC

Dear Greg

Thank you so much ......I can't begin to express how grateful we are to you...I still can't believe it after 7 years before finding you. Thank you again

Erica Melbourne VIC
We really do appreciate your efforts in getting a fair outcome from the Bank.
Sally, John & Peter, QLD