Credit Impaired Loans
At Resource Finance, we understand that life happens.
Missed repayments, defaults, court judgments, ATO debt, or a past bankruptcy don’t define your future. If your credit history has taken a hit, it doesn’t mean your finance options are over — it simply means you need the right strategy and the right lender.
That’s where we come in.
What Is a Credit Impaired Loan?
A credit impaired loan is designed for borrowers who have experienced financial setbacks that have affected their credit score. This may include:
- Paid or unpaid defaults
- Late repayments
- Debt agreements
- Discharged bankruptcy
- ATO tax debt
- Short-term cash flow issues
- Self-employed income fluctuations
Traditional banks often decline applications based on automated credit scoring. We take a different approach — we focus on your current situation, not just your past.
How Resource Finance Helps
We specialise in structuring solutions for clients who don’t fit standard bank policy.
Our process includes:
- ✔ Understanding the full story behind your credit history
- ✔ Identifying lenders that assess applications manually
- ✔ Structuring the loan to strengthen your approval position
- ✔ Creating a long-term exit strategy to move you back to prime lending
We don’t just get loans approved — we build recovery plans.
What Can Credit Impaired Loans Be Used For?
Depending on your situation, funding may be available for:
- Home purchases
- Refinancing existing loans
- Debt consolidation
- Business funding
- Paying out ATO debt
- Vehicle or asset finance
Every application is assessed individually.
Our Point of Difference
Many brokers avoid complex files. We specialise in them.
- Access to specialist and non-bank lenders
- Experience with self-employed and cash-flow-based lending
- Clear strategy to rebuild your credit profile
- Transparent communication — no false promises
Our goal is simple: help you secure finance now while positioning you for stronger rates in the future.
You Are Not Your Credit File
If you’ve been declined elsewhere, speak to us before giving up.
With the right lender, structure, and strategy, there are often more options available than you think.
Speak to Resource Finance today and take control of your financial reset.