When you’re assessing a larger transaction, the pressure usually isn’t the purchase price. It’s the upfront costs that land before you’ve had time to finish your checks. Think legal review, valuation reports, planning advice, building inspections, feasibility work, deposit top-ups, or time-sensitive option fees. A caveat loan for due diligence funding can be a practical way to cover those early expenses without derailing the opportunity. Contact us today to discuss your scenario.
What Due Diligence Funding Really Needs to Do
Due diligence spending is different to longer-term finance. You’re not funding a project over years. You’re buying time and clarity over days or weeks, while you confirm the numbers, the risks, and the path to settlement.
In practice, you usually want funding that:
- Arrives fast, before deadlines or exclusivity periods expire
- Is structured short term, so you’re not locked in longer than needed
- Is secured against property, so the approval pathway is clearer
- Can be repaid when you complete the larger finance or transact
That’s where caveat finance can fit well.
Why a Caveat Loan Can Suit Due Diligence Funding
A caveat loan is a short-term loan secured by a registered caveat over property. For due diligence funding, the benefit is speed and simplicity. You’re not trying to replace your long-term lender. You’re bridging a gap so you can complete the work that supports your bigger decision.
Key benefits of caveat finance for due diligence funding include:
- Fast access to funds to pay for upfront reports, advisors, and transaction costs
- Momentum so you can keep negotiating while your professionals verify the details
- Flexibility to repay quickly once your longer-term facility, sale, or settlement is ready
- A clearer security position because the loan is backed by real property
When timing is tight, this can be the difference between progressing confidently and watching the opportunity drift away.
Where Secured Lending Fits In
You’re not looking for a lecture. You want a lender who can review the scenario, confirm what’s workable, and move. Secured Lending is a non bank business lender in Australia, operating Australia wide across Sydney, Adelaide, Melbourne, Brisbane, Perth, Gold Coast, and Canberra. We specialise in short-term, property-secured lending that supports real-world transaction timelines.
If you need urgent settlement funding for due diligence costs, we focus on what matters:
- What you’re trying to achieve (and by when)
- The property security available
- The exit strategy (how the loan will be cleared)
We’re calm and direct because that’s what the situation requires.
How We Facilitate Caveat Loans for Due Diligence Funding
Here’s what the process is designed to do: reduce friction.
- Rapid scenario review
We quickly review your purpose, timing, and security, and we tell you what’s realistic. If it’s an emergency timing issue, you need an answer that day, not next week. - Property-secured structure
Our caveat loans are secured against residential or commercial property. That security allows us to focus on speed and execution rather than long, bank-style workflows. - Clear loan sizing and limits
Depending on the scenario and security, you may be able to borrow up to $10million. Due diligence funding is often a smaller portion of the overall transaction, but it still needs to be reliable. - Fast execution when timing matters
In the right circumstances, we can arrange funding within 24 hours. For the tightest timelines, we aim for fast, same day settlement where possible. That’s critical when your legal team, vendor deadlines, or option expiry dates won’t move. - Practical terms, focused on the exit
Due diligence funding should not become a long distraction. We align the term with your expected next step: refinance, sale, settlement, or a longer-form commercial facility. We also keep pricing clear, with an interest rate starting at 9.2% p.a (subject to assessment, security, and structure).
Common Scenarios We Help With
Due diligence funding is rarely theoretical. It’s usually attached to a real deadline. We regularly see borrowers need fast funds for:
- Securing an exclusivity period while investigations are completed
- Paying for valuation, QS, planning, engineering, or environmental reports
- Covering a deposit shortfall ahead of formal approval elsewhere
- Managing an urgent settlement gap where other funds are delayed
- Moving quickly when a private lender urgent solution is needed to keep control of the deal
The common thread is certainty. You’re protecting a bigger outcome by paying the upfront costs that unlock better information and better negotiating power.
Why Borrowers Choose Secured Lending for This Type of Funding
You want a lender who understands that due diligence is about decision-making quality, not just speed. We bring both.
- We move quickly without getting careless.
- We coordinate with your solicitor and settlement agent to reduce delays.
- We’ve facilitated over 500 strategic commercial loans, so we’re used to time-sensitive, high-stakes transactions.
- We provide secured business loan options that are purpose-built for short-term windows, including urgent settlement, private lender urgent requirements, and genuine emergency funding needs.
FAQs
1. What can I use due diligence funding for?
Typically for upfront transaction costs like legal fees, valuations, specialist reports, deposits, and professional advisory work tied directly to assessing a larger deal.
2. How fast can Secured Lending settle a caveat loan?
In suitable scenarios, we can achieve funding within 24 hours, and in some cases fast, same day settlement (depending on documentation and coordination with your solicitor).
3. Do you lend Australia wide?
Yes. We operate Australia wide, including Sydney, Adelaide, Melbourne, Brisbane, Perth, Gold Coast, and Canberra.
4. Is this a long-term facility?
No. Caveat loans used for due diligence funding are generally short-term bridging solutions designed to be cleared by refinance, sale, or the next transaction milestone.
5. What loan sizes are possible?
Subject to the property security and scenario, you can borrow up to $10million.
6. What interest rate should I expect?
Pricing depends on the structure, security, and timing, with an interest rate starting at 9.2% p.a for suitable scenarios.
How We Can Help
If you’re weighing a larger transaction and the due diligence costs are landing before the rest of the funding, we can help you stay in control of the timeline. Secured Lending will review your scenario, structure a property-secured caveat loan, and coordinate the path to urgent settlement if required. Secured Lending is a short-term lending solution you can rely on. When you’re ready, our team is here to help you move quickly and confidently. Our team specialises in urgent short term loans solutions.
