Caveat Loans for Businesses
Fast, caveat-secured cashflow within 24 hours.
Specialists in complex lending and strategic finance.
Rates from
9.2% p.a
Funding in
24 hours
Loans from $250k up to
$10 million
Terms
1-24 months
Fast, flexible funding secured by your property. Get approved in 24 hours.
When your business needs urgent funding — and time is critical — caveat loans offer a smart, short-term solution. At Secured Lending, we help business owners unlock equity in their property quickly and a secured business loan, with streamlined approvals and same-week settlements. We are a non-bank, private lender in Australia that can move fast for urgent funding requirements.
Whether it’s a cash flow gap, tax debt, or a time-sensitive opportunity, a caveat loan gives you the flexibility to move fast.
What Is a Caveat Loan?
A caveat loan is a short-term business loan secured by your property. It allows you to access capital without refinancing your existing mortgage. Instead, a caveat is lodged on your title — giving the lender security without affecting your first mortgage.
You can borrow against the equity in a residential, commercial, or investment property — and use the funds however your business needs.
Why Choose a Caveat Loan?
- Fast Settlement: Most loans are funded within 24–48 hours. Ideal for urgent business needs.
- Flexible Use: No restrictions on how you use the funds. Use it for cash flow, tax debt, equipment, renovations, or anything else your business requires.
- Minimal Paperwork: No full credit assessments, long delays, or drawn-out applications.
- Keep Your Existing Mortgage: Your first mortgage stays in place — we simply add a caveat on the title.
Common Use Cases
Businesses choose caveat loans when time, flexibility, and access to equity matter most:
Cover payroll or urgent supplier invoices
Bridge cash flow gaps caused by late-paying clients
Settle outstanding ATO tax debts
Purchase equipment or stock immediately
Fund a business expansion or acquisition
Manage emergency business operating expenses
Avoid foreclosure or refinance short-term debt
Seize limited-time opportunities that banks can’t fund fast enough
Eligibility Criteria
To qualify, you’ll need:
Property with sufficient equity (residential or commercial)
A clear business purpose for the funds
The ability to repay the loan within the short term
How Much Can I Borrow?
Loan amounts depend on:
The market value of your property. Our loans start at $250,000 up to $45 million.
The equity available (after existing mortgages)
The risk profile and urgency of your loan scenario
We’ll provide a fast, no-obligation assessment to determine how much you can access.
Case Studies & Success Stories
Caveat Loan Scenarios We Can Help With
Frequently Asked Questions
A caveat loan is a short-term loan secured against the equity in your property. Instead of changing your current mortgage, the lender places a caveat on the title, allowing you to access capital quickly while keeping your existing loan in place.
No. There’s no need to refinance or alter your current mortgage. The loan is secured by a caveat on the title, which gives you fast access to funds without disrupting your existing arrangements.
In most cases, caveat loans are approved and settled within 24 to 48 hours, depending on how quickly you provide the required documentation.
Caveat loans are highly flexible and can be used for a wide range of business purposes, including:
Covering payroll or supplier invoices
Paying tax obligations
Purchasing equipment or stock
Managing cash flow
Renovations or upgrades
Expanding or investing in your business
Loan amounts are based on the equity in your property. You can typically borrow up to a significant percentage of your property’s market value, minus any existing mortgage. We'll provide a quick assessment based on your scenario.
Caveat loans are ideal for business owners who need fast, flexible funding and have equity in property. If you're looking for a straightforward way to access capital without delays, a caveat loan may be the right fit.