If you’ve had a recent credit default, you already know how quickly mainstream lenders can shut the door. The frustrating part is that a default doesn’t always reflect your real position today. You might have strong assets, a clear exit strategy, and a time-sensitive opportunity, but the bank’s credit policy won’t move. Contact us today to discuss your options.
What a Caveat Loan Is and Why It Suits Recent Adverse Credit Events
A caveat loan is a short-term loan secured by property, where a caveat is lodged on title to protect the lender’s interest. In plain terms: the property security is the focus, not a long credit assessment process.
If you’ve had a recent credit default, caveat finance can help because it can be assessed on:
- the equity in your residential or commercial property
- the urgency and purpose of the funds
- how you’ll repay the loan at the end of the term (the exit)
This is why caveat loans are commonly used for urgent settlement, bridging, and time-sensitive business needs.
Key Benefits of Caveat Finance When You Have a Recent Credit Default
When you need funding after a recent adverse event, the benefit isn’t just “approval”. It’s control over time and outcomes.
Here’s what caveat loans can offer in the right scenario:
- Speed when timing matters: Fast, same day settlement can be possible, and in many cases you can see funding within 24 hours once the security and documents line up.
- A practical option in an emergency: If you’re dealing with an urgent settlement, an ATO issue, a refinance deadline, or a commercial opportunity that won’t wait, caveat finance can be an emergency solution without long back-and-forth.
- Property-backed assessment: A recent credit default may reduce bank options, but property equity can still support a short-term loan.
- Useful as a bridge, not a lifestyle: Caveat loans are typically designed to get you from “now” to a clearer event—sale, refinance, settlement, business cash inflow—without forcing you into a long-term product that doesn’t fit.
- Higher limits for the right security: Depending on your property and structure, you may be able to borrow up to $10million.
Caveat loans are not a cure-all. They’re best used when the purpose is clear, the timeframe is short, and the exit is realistic.
How Secured Lending Helps You Fund Quickly After a Recent Credit Default
A recent default often creates two problems: time pressure and limited lender choice. Our role is to remove friction and get you to a funded outcome quickly, without pretending the default doesn’t exist.
Secured Lending is a private lender in Australia and a non bank business lender. We operate Australia wide across Sydney, Adelaide, Melbourne, Brisbane, Perth, Gold Coast, Canberra. We’re set up for urgent, property-secured lending where timing is critical and the structure needs to be clean.
We Focus on What Matters for Approval
When a bank says no, it’s usually because their policy can’t accommodate the recent adverse event. With us, the assessment is more practical. We review:
- your property security and available equity
- the amount you need and what it will achieve
- the timeframe you need funds
- your repayment plan (sale, refinance, settlement proceeds, business transaction)
This is how we help borrowers move forward even when their credit file is still “fresh” with a negative mark.
We Structure Caveat Loans for Real Business Situations
Most borrowers don’t need money “just because”. They need it for a specific pressure point or opportunity. We regularly arrange secured business loan solutions for scenarios like:
- covering an urgent settlement on a purchase while a sale is pending
- bridging a refinance while you resolve a default or waiting period
- funding a time-sensitive stock purchase or supplier payment to protect margin
- covering a short-term cash flow gap tied to a contract, invoice, or seasonal cycle
- urgent capital for renovations or improvements prior to sale or refinance
The goal is simple: you get the funds you need now, and the loan exits cleanly when the planned event occurs.
Speed Is Built Into Our Process
If your deal is time-sensitive, you need a lender that can actually execute. We coordinate the steps that typically slow borrowers down—security review, documents, and settlement scheduling—so you can move quickly.
Where the scenario supports it, we can work toward fast, same day settlement. In many cases, funding within 24 hours is achievable. This is especially relevant when you’re dealing with private lender urgent requirements or an emergency that can’t wait for a bank credit committee.
Clear Pricing and Realistic Expectations
Caveat loans are short-term and priced accordingly. Depending on the structure, an interest rate starting at 9.2% p.a may be available. The exact rate, fees, and terms depend on your security, loan-to-value position, and complexity. We’ll confirm this upfront so you can make a clear decision, not a pressured one.
Larger Loan Sizes When It Makes Sense
For borrowers with strong property positions and a clear exit, we can look at larger facilities—up to $10million. This can be useful when you’re managing multiple settlements, a significant business transaction, or a high-value refinance bridge.
How We Can Help
If a recent credit default is blocking your plans, you don’t necessarily need to “wait it out”. You need the right short-term structure, backed by property, with a lender who can move.
At Secured Lending, we arrange caveat loans and bridging solutions designed for urgent timelines, clear exits, and borrowers who want certainty. We’re a non-bank lender and Private Lender in Australia, operating Australia wide across Sydney, Adelaide, Melbourne, Brisbane, Perth, Gold Coast, Canberra. 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.
FAQs
1. Can I get approved with a recent credit default on my file?
Yes, it can be possible. With caveat finance, the property security and exit strategy are often more important than the default itself, provided the structure is sound.
2. How fast can a caveat loan settle?
If your security and documents are straightforward, fast, same day settlement may be achievable. Many scenarios can reach funding within 24 hours.
3. What can I use the funds for if I need an urgent settlement?
Common uses include urgent settlement on a property purchase, bridging while refinancing, business cash flow gaps, supplier payments, or time-sensitive opportunities where delays cost money.
4. What is the typical loan term for caveat loans?
They are generally short-term, often used as a bridge. The right term depends on your exit—sale, refinance, or settlement proceeds.
5. How much can I borrow?
Subject to the property and structure, you may be able to borrow up to $10million.
6. What interest rate should I expect?
Pricing depends on your scenario, but an interest rate starting at 9.2% p.a may apply for suitable applications, with final terms confirmed once the security and exit are reviewed.
