If you’re self-employed, you already know the frustration: your cash flow can be strong, your assets can be solid, but traditional banks still slow things down because they want full financial documentation. A caveat loans solution can be a practical way to bridge that gap. At Secured Lending, we’ve advised and assisted borrowers with a self-employed low doc approach for time-sensitive funding, and we’ve facilitated over 500 strategic commercial loans for urgent settlement needs. If you need to move fast with a bridging loan for a self-employed low doc scenario, assess your scenario today. Contact us today.
What a Caveat Loan Is and Why It Suits Low Doc Self-Employed Borrowers
A caveat loan is a short-term loan secured against real property. The lender lodges a caveat on title as part of the security position. In plain terms: it’s a way to access capital by using the equity in your property, without waiting for the full bank process.
For a self-employed low doc borrower, the core value is speed and flexibility. You’re not trying to “prove” your income the way a salaried PAYG borrower might. Instead, the funding decision is more heavily driven by the security property, equity position, and the exit strategy (how the loan will be cleared, such as a refinance or sale).
Benefits of Caveat Finance for Self-Employed Low Doc Funding
When timing matters, caveat finance can be the difference between securing an opportunity and missing it.
- Fast access to capital when you have an urgent settlement or a time-sensitive deal
- Funding without full financial documentation in many cases, because the focus is on property security and a clear repayment plan
- Short-term flexibility that suits bridging gaps like ATO deadlines, supplier payments, or settlement timing mismatches
- A direct path to execution when a bank’s credit team timeline doesn’t match your real-world deadline
This is often used for genuine “move now, tidy up later” situations: buying stock at a discount, completing a renovation before sale, covering a deposit shortfall, or stabilising cash flow ahead of refinance.
Where Secured Lending Fits In
You don’t need more generic lending advice. You need a lender who understands how self-employed income can look on paper versus in real life, and who can actually execute on tight timeframes. Secured Lending is a private lender in Australia and a non bank business lender operating Australia wide across Sydney, Adelaide, Melbourne, Brisbane, Perth, Gold Coast, and Canberra.
We help you use property-backed lending to solve a specific problem quickly, then exit cleanly.
Fast Outcomes When Timing Is the Real Risk
When your settlement date is locked in, delays can be expensive. We focus on process and decision speed so you can move with control.
Depending on your scenario, we can coordinate:
- Fast, same day settlement when everything stacks up and documentation is ready
- Funding within 24 hours for straightforward deals with clear security and an obvious exit
- Support for urgent settlement transactions where traditional finance is not realistic
If you’re searching for a private lender urgent solution or an emergency option to meet a deadline, the key is not just speed—it’s certainty. We structure the loan so it’s achievable, repayable, and aligned to your next step.
How We Assess a Self-Employed Low Doc Caveat Loan
With self-employed low doc lending, it’s not about ignoring risk. It’s about assessing it differently and more practically.
We typically review:
- The property you’re offering as security and the equity position
- The purpose of funds and whether the timeline is credible
- Your exit strategy (refinance, sale, incoming funds, settlement event)
- Any existing loans or caveats that affect the security position
You’ll find the process more direct than a bank. We aim to remove friction, not create it.
Loan Size, Pricing, and What You Can Use the Funds For
Secured Lending can structure a secured business loan using residential or commercial property as collateral. For the right scenario, you can borrow up to $10million. Pricing depends on risk and structure; in suitable cases we can offer an interest rate starting at 9.2% p.a.
Common use cases we see from self-employed borrowers include:
- Bridging a purchase while you finalise longer-term finance
- Covering a gap before settlement proceeds land
- Paying urgent expenses tied to a project, build, or renovation timeline
- Acting quickly on an acquisition or investment opportunity
A Practical, Coordinated Lending Process
When you engage Secured Lending, you’re not left to guess what happens next. We coordinate the moving parts and keep you informed.
Our role is to:
- Review your scenario quickly and confirm if it fits caveat finance
- Arrange valuations where required and keep timelines tight
- Coordinate documentation and settlement so the loan completes cleanly
- Structure the term around your realistic exit plan, not wishful thinking
We’ve facilitated over 500 strategic commercial loans because many borrowers don’t need “more debt.” They need short-term capital deployed at the right moment, then cleared when the longer-term plan lands.
FAQs
1. Can I get a caveat loan if I can’t provide full financials or tax returns?
Often, yes. In a self-employed low doc scenario, the focus is typically on the property security, equity, and a credible exit strategy rather than full financial documentation.
2. How fast can Secured Lending settle?
In suitable scenarios, we can support fast, same day settlement. Many deals can settle with funding within 24 hours when security and documents are straightforward.
3. What properties can be used as security?
Caveat loans are secured by real property. We commonly work with residential and commercial property, depending on the scenario and available equity.
4. How much can I borrow?
Subject to the security and structure, you can borrow up to $10million.
5. What interest rate should I expect?
Rates vary by risk, location, and structure. In suitable cases, we can offer an interest rate starting at 9.2% p.a.
6. What makes Secured Lending different from a bank for low doc borrowers?
We’re a non-bank lender and Private Lender in Australia. We assess deals with a practical lens, prioritising security, timeframe, and exit strategy—so you’re not stuck in a slow credit queue when timing is critical.
How We Can Help
If you’re facing an urgent settlement, a time-sensitive opportunity, or a short-term cash gap and you need funding without full financial documentation, Secured Lending can review your property-backed options and structure a caveat loan that actually fits the reality of running a business. 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.
