Farmers affected by this year's floods in central Queensland say they are being rejected for disaster assistance loans because of an overly complicated application process.
Leonie Paish operates the Velvet Waters Dairy at Nagoorin, south of Gladstone.
She says 40 of her cows washed down the Boyne River in a flood that destroyed hundreds of thousands of farm infrastructure.
But she says the Queensland Rural Adjustment Authority will not help.
"We've just had our disaster assistance application declined for the second time," she said.
"They asked us to put down what we desperately needed ... and that was declined."
She says the application process does not account for individual circumstances.
Other farmers have told similar stories and Gladstone independent MP Liz Cunningham says it is unfair.
"One-size-fits-all never works, particularly in these areas of traumatic experience," she said.
She says the application process should be transparent.
© ABC 2013
14:55 EDT Tropical lows in the Gulf of Carpentaria and Coral Sea could intensify into tropical cyclones tomorrow morning before possibly making landfall on Monday morning.