Caveat Loans for Businesses

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, with streamlined approvals and same-week settlements.

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 repairs or operating expenses

• Avoid foreclosure or refinance short-term debt

• Seize limited-time opportunities that banks can’t fund fast enough

Typical Borrower Questions

“Can I use a caveat loan to cover payroll?”
Yes — this is a common use case for caveat loans.

“Is it smart to use a caveat loan for business growth?”
If speed and flexibility matter more than long-term cost, a caveat loan is a strategic option.

“Can I use it for tax debt, renovations, or debt consolidation?”
Yes — as long as you have equity in your property, funds can be used for almost any business purpose.

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.

Repayment Terms and Rates

Caveat loans are short-term, interest-only facilities — typically between 1 to 12 months. Interest rates are higher than traditional loans due to speed and risk, but the trade-off is fast access to capital when you need it most.

We’ll walk you through all costs upfront — no hidden fees, no fine print.

Why Secured Lending?

• Fast Turnaround – Funding in 24 to 48 hours

• Direct Communication – Speak to real decision-makers

• Flexible Terms – Tailored to your repayment capacity

• Transparent Fees – No surprises, ever

Get Funded Fast

If you’re sitting on property equity, a caveat loan can get you funding — fast.

Speak to our lending team today for a confidential, obligation-free discussion. We’ll let you know how much you can borrow and how quickly we can fund it.