When you need immediate liquidity to stabilise short-term business operations, time becomes your biggest constraint. Payroll doesn’t wait. A supplier won’t hold pricing forever. A settlement deadline can land before your next invoice run. In those moments, a caveat loan for Emergency Working Capital can be a practical way to unlock funds quickly using property as security. Contact us today to discuss your scenario.
At Secured Lending, we’ve advised and assisted borrowers with this type of Emergency Working Capital many times, especially where speed and certainty matter. We’ve also facilitated over 500 strategic commercial loans, including facilities designed for urgent settlement and time-sensitive operating needs. If you need a solution that can move quickly, Secured Lending can help you move fast with a bridging loan for Emergency Working Capital. Assess your scenario today.
What a caveat loan is and why it suits emergency working capital
A caveat loan is a short-term, property-secured facility where a caveat is lodged on title to protect the lender’s interest. In plain terms, it’s designed to be Fast when you have equity in real property and a clear reason for the funds.
Used properly, caveat finance can give you breathing room to keep operations stable while you execute the next step—finalising a refinance, collecting receivables, selling an asset, or completing a settlement.
Common uses for Emergency Working Capital include:
- Covering wages and tax obligations during a cash flow gap
- Paying suppliers to keep stock moving
- Managing project overruns so a job doesn’t stall
- Bridging timing between progress claims and payment
- Handling an unexpected emergency expense without disrupting operations
Key benefits of caveat finance for Emergency Working Capital
When a funding need is urgent, the benefits are mainly about speed, certainty, and control.
- Speed when banks can’t meet your timeline
Traditional lenders often require long assessments and rigid documentation. Caveat finance is built for urgent scenarios and can be structured for funding within 24 hours in suitable cases. - Useful for short-term stabilisation
This is not about long-term debt. It’s about buying time so you can protect revenue, staff, contracts, and supplier relationships while you execute your plan. - Flexible structuring
Caveat loans can be structured as interest-only over a short term, giving you a clearer runway to refinance or repay from a known exit. - Clear security
Because the loan is secured, it can be a cleaner path to approval than an unsecured facility when you need meaningful funds quickly.
Where Secured Lending fits and how we help you move quickly
In an Emergency Working Capital situation, you don’t just need money. You need coordination, clear conditions, and a lender that understands urgent timelines. Secured Lending is a non bank business lender and a Private Lender in Australia, and we operate Australia wide across Sydney, Adelaide, Melbourne, Brisbane, Perth, Gold Coast, Canberra.
Here’s how we help you move from problem to funds without the usual friction.
Step one: We review your urgency and your exit
Fast approvals come from clear logic. We focus on two things:
- Why you need the funds now and what it stabilises in the business
- How you plan to repay the loan (refinance, sale, receivables, settlement, or other defined exit)
When the story is coherent, the process becomes faster and calmer. That’s what you want in an urgent week.
Step two: We confirm security and structure the facility
Caveat loans are secured by real property. We’ll coordinate what’s needed to confirm the security position and then structure the loan amount and term to match the timeline you’re working with.
With Secured Lending, you can potentially borrow up to $10million, depending on the security and overall scenario. If your requirement is smaller, we structure it just as carefully—because the goal is the same: immediate liquidity without creating a longer-term mess.
Step three: We move with urgency and keep you informed
When you’re trying to keep operations stable, you need direct communication and realistic timeframes. We coordinate documentation and settlement so you can aim for outcomes like same day settlement where feasible, or funding within 24 hours where the scenario supports it.
If you’re dealing with an urgent settlement, we treat it as such. We’ve built our process around time-sensitive execution, because that’s what short-term secured lending is for.
Step four: We provide clarity on pricing and conditions
You should know where you stand before you commit. We’ll walk you through expected costs, term, and conditions in plain language. Depending on the scenario, we can offer an interest rate starting at 9.2% p.a. Final pricing depends on the property, loan size, and risk profile, and we’ll be straightforward about what’s achievable.
This is also where many borrowers choose us over a private lender option found online, because speed is important—but so is dealing with a party that’s structured, experienced, and transparent.
Why borrowers use Secured Lending for emergency working capital scenarios
You’re not looking for a lecture. You’re looking for certainty. Borrowers come to Secured Lending when they need:
- secured business loan with real urgency
- A clear path to funds without weeks of back-and-forth
- A lender that understands commercial timing pressures
- A short-term facility that supports a defined next step
We’ve supported urgent settlements, bridging needs, and working capital stabilisation across many industries. That experience matters when decisions need to be made quickly and correctly.
FAQs
1. How fast can a caveat loan be arranged for Emergency Working Capital?
In suitable cases, we can move to funding within 24 hours, and in some scenarios same day settlement may be possible. Timing depends on security confirmation, documents, and settlement logistics.
2. What can I use Emergency Working Capital for under a caveat loan?
Typical uses include wages, supplier payments, tax obligations, stock purchases, project costs, or bridging a timing gap in cash flow to prevent operational disruption.
3. What security is required for secured business loans like this?
Caveat loans are secured against residential or commercial property. The quality of the property and the overall equity position influence loan size and terms.
4. How much can I borrow?
In appropriate scenarios, you can borrow up to $10million. The final amount depends on the property, existing encumbrances, and your exit strategy.
5. Are you a bank?
No. Secured Lending is a non-bank lender and a Private Lender in Australia, and we lend Australia wide including Sydney, Adelaide, Melbourne, Brisbane, Perth, Gold Coast, and Canberra.
6. What interest rate should I expect?
Pricing depends on the scenario, but we can offer an interest rate starting at 9.2% p.a. We’ll explain the full cost and structure clearly before you proceed.
How We Can Help
If you need Emergency Working Capital to stabilise short-term business operations, we’ll review your scenario, confirm the security, structure the facility, and coordinate a fast settlement pathway. 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.
