When payroll is due, it’s due. But cash flow doesn’t always cooperate. You might be waiting on a large invoice, a progress payment, a settlement, or a seasonal revenue spike that’s “locked in” but not yet in your account. That timing mismatch is exactly where a caveat loans solution for a payroll funding gap can make sense. Contact us today to discuss your scenario.
What a Caveat Loan Does in a Payroll Funding Gap
A caveat loan is a short-term, property-backed loan where a caveat is lodged on title as part of the security position. In practical terms, it’s designed for speed. Instead of waiting through a long bank process, you can access capital quickly to cover wages and keep your operations steady while incoming funds catch up.
A payroll funding gap often happens even in well-run businesses. Common examples include:
- Debtors on 30 to 60 day terms while wages are weekly or fortnightly
- A large customer paying late
- A contract milestone being signed off later than expected
- A settlement delay tied to a property or business transaction
- A temporary working capital squeeze during growth
The key point is this: payroll is not optional. Paying staff on time protects your business reputation, your continuity, and your ability to deliver.
Benefits of Caveat Finance for Payroll Funding Gap Situations
Used correctly, caveat finance can be a practical tool rather than a “last resort.” The benefit is certainty and speed when timing is your only real problem.
Here’s what borrowers typically value most:
- Fast, same day settlement may be available in the right scenario, which matters when wages are due today, not next week.
- Funding within 24 hours is often achievable when the security and documents are straightforward.
- It’s suited to urgent settlement timeframes and can function as an emergency buffer when a large receipt is delayed.
- It can complement existing facilities rather than replacing them, especially when banks won’t move quickly enough.
- You may be able to borrow up to $10million depending on the property security and overall position.
- For the right deal, an interest rate starting at 9.2% p.a may be available.
Caveat loans are short-term by nature. They’re typically most effective when you can clearly see the exit: an invoice payment, refinancing, sale proceeds, or a confirmed settlement.
How Secured Lending Helps You Cover Wages Without Losing Momentum
If you’re considering a secured business loan to cover a payroll funding gap, you don’t need a lecture on cash flow management. You need a lender who can assess the situation quickly, structure the loan cleanly, and get funds where they need to be before payroll is missed.
Secured Lending is a Private Lender in Australia and a non-bank lender. We operate Australia wide across Sydney, Adelaide, Melbourne, Brisbane, Perth, Gold Coast, and Canberra. When time is tight, our value is in removing friction and providing a clear path from enquiry to funding.
We Start with the Outcome and Work Backward
Your priority is to pay wages on time. Ours is to confirm:
- What’s causing the payroll timing gap
- What property security is available
- What your repayment or exit strategy is
- How quickly we can reach settlement without creating avoidable risk
This is where experience matters. We’ve supported borrowers through short-term funding needs across a wide range of industries, and we understand that “it’s only short-term” still requires disciplined structuring.
We Move Fast Because the Process Is Built for Speed
When payroll is the driver, delays are expensive. We focus on decisions, not bureaucracy. If your scenario fits, we can coordinate valuation requirements (if needed), confirm the security position, and progress documentation quickly.
This is the difference between a generic lender and a non bank business lender solution that’s built for time-sensitive needs.
We Structure Caveat Loans as Bridging Tools, Not Long-Term Crutches
A caveat loan for a payroll funding gap should be treated like a bridge. You’re not trying to fund wages forever. You’re solving a temporary mismatch between cash in and cash out.
We’ll talk through realistic exits such as:
- Debtor receipts landing within weeks
- A refinance once financials catch up
- A property sale or settlement
- A planned capital injection event
If the exit doesn’t stack up, we’ll tell you plainly. That honesty is part of protecting you from the wrong kind of short-term debt.
We Keep Communication Tight When Stakes Are High
When payroll is on the line, you need clarity: how much, how soon, and what’s required. We set expectations early, confirm timeframes, and keep you updated so you can plan payroll with confidence instead of guesswork.
And if you’re facing an urgent settlement deadline tied to wages, tax, or supplier pressure, we’ll treat it with the urgency it deserves. As a private lender, we understand the importance of speed and transparency in these situations.
FAQs
Can a caveat loan be used specifically to cover wages?
Yes. Many borrowers use caveat loans to cover wages when a payroll funding gap is caused by delayed receipts, timing mismatches, or short-term cash flow constraints.
How fast can Secured Lending fund a payroll funding gap?
Depending on the security and documentation, we may be able to arrange same day settlement or funding within 24 hours for appropriate scenarios.
What security do I need for a caveat loan?
Caveat loans are typically secured by real property. Secured Lending focuses on property-backed solutions, which is why these can work well as secured business loans when speed matters.
How much can I borrow for payroll funding?
Loan amounts depend on the property security and your overall position. In suitable cases, you may be able to borrow up to $10million.
What interest rate should I expect?
Pricing depends on risk, security, and loan structure. For the right scenario, an interest rate starting at 9.2% p.a may be available.
What makes Secured Lending different from a bank for payroll funding?
We’re a non-bank lender and a Private Lender in Australia, built for time-sensitive scenarios. Banks can be excellent for long-term facilities, but they often can’t move fast enough for a payroll-driven emergency or private lender urgent request.
How We Can Help
If you’re facing a payroll funding gap because cash flow timing has created a shortfall, Secured Lending can review your scenario, confirm the available security, and arrange a fast caveat loan solution designed to get wages paid on time. 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.
