When money is going out before it comes back in, you don’t need a lecture on cash flow. You need timing. A caveat loan for a Short-Term Cash Gap is built for exactly that moment: bridging short gaps between outgoing and incoming funds so you can settle, secure an opportunity, or keep a plan moving without waiting on slow processes. Contact us today to discuss your scenario.
At Secured Lending, we’ve advised and assisted borrowers through this kind of Short-Term Cash Gap many times, and we have facilitated over 500 strategic commercial loans for time-sensitive needs. If you need speed and certainty, Secured Lending can help you move fast with a bridging loan for a Short-Term Cash Gap. Assess your scenario today.
What a caveat loan does in a cash gap
A caveat loan is a short-term loan secured by property. The “caveat” is a notice recorded on the property title that protects the lender’s interest for the term of the loan. In practical terms, it’s a way to access capital quickly when you have equity in real estate and a clear reason for short-term funds.
This matters when your timeline is tight, such as:
- You’ve paid a deposit or stage payment, but incoming funds land after settlement
- You’re between a sale and a purchase and need an urgent settlement solution
- Your business is owed funds, but payment timing doesn’t match supplier deadlines
- You’re completing a renovation, refinance, or restructure and can’t afford delays
Used correctly, caveat finance is a bridge. It’s not designed to replace long-term funding. It’s designed to keep you in control when timing is the only problem.
Benefits of caveat finance for a Short-Term Cash Gap
Here’s why caveat loans are often the right tool when the issue is timing, not viability:
- Fast access to capital when banks can’t move quickly enough
- Potential for same day settlement in the right scenario
- Often funding within 24 hours once the security and exit are confirmed
- Clear purpose: it’s structured to bridge the gap, then be repaid from a known event (sale, refinance, incoming payment)
- Helpful for an emergency or private lender urgent situation where delays cost you money or options
If you’re thinking, “I just need to get from here to there,” this is the category of lending designed for exactly that.
Where Secured Lending fits and why borrowers use us
When you’re facing a Short-Term Cash Gap, the real risk is rarely the gap itself. It’s the domino effect: missing a settlement, losing negotiating power, breaching a contract, or having to sell an asset on someone else’s timeline. Our role is to remove friction and help you execute your next step.
Secured Lending is a Private Lender in Australia and a non bank business lender. We operate Australia wide, including Sydney, Adelaide, Melbourne, Brisbane, Perth, Gold Coast, Canberra. That reach matters because time-sensitive transactions happen everywhere, and you shouldn’t lose days just because your lender can’t coordinate across states.
How we structure caveat loans for short gaps
You don’t need complexity. You need a clean structure, documented properly, and aligned to your exit. We focus on four things:
- Your timing and the exact cash gap
We map what’s going out, what’s coming in, and the dates that matter. - Your security and equity position
Because these are secured business loans, the property position drives what’s possible. - Your exit strategy
Sale proceeds, refinance, or a confirmed incoming payment. The cleaner the exit, the smoother the approval path. - Your settlement deadline
If it’s an urgent settlement, we work backwards from the date and coordinate the moving parts fast.
In many cases we can arrange borrow up to $10million, depending on your property position and the overall scenario.
Speed without guesswork
Borrowers come to us because they want speed, but not chaos. We keep the process direct and practical: review the security, confirm the exit, coordinate documents, and settle.
Where appropriate, we can support same day settlement. In many scenarios, we aim for funding within 24 hours. Timing always depends on the quality of information available and how quickly legal and verification steps can be completed, but our process is built for urgent use cases.
Pricing and what to expect
Short-term lending is priced differently to long-term bank debt. With Secured Lending, you may see an interest rate starting at 9.2% p.a depending on risk, security, and structure. The key is whether the cost is justified by the outcome: keeping a purchase alive, avoiding a penalty, protecting a larger transaction, or holding your position while funds are in transit.
We’ll talk you through the trade-offs clearly so you can make a decision with your eyes open.
Common scenarios we help solve
A caveat loan can be a practical solution when you need to bridge short gaps between outgoing and incoming funds, including:
- Paying a settlement shortfall while sale proceeds are pending
- Covering a time-sensitive supplier payment while receivables are due shortly
- Completing a property or business transaction where the bank timeline doesn’t match reality
- Managing an emergency cash gap without liquidating assets at the wrong time
This is where a non-bank approach can be the difference between “stuck” and “sorted”.
FAQs
1. Is a caveat loan only for property purchases?
No. It’s commonly used for urgent settlement needs, deposits, business cash gaps, or bridging between outgoing and incoming funds, as long as property security supports the loan.
2. How fast can Secured Lending fund a Short-Term Cash Gap?
If the security and exit are straightforward, we can move fast, including same day settlement in suitable cases and funding within 24 hours for many scenarios.
3. What makes a good exit strategy for a bridging loan?
Clear, near-term repayment sources like a signed sale, a refinance in progress, or confirmed incoming funds. The stronger the evidence and timeline, the easier it is to structure.
4. Can I use this if my bank is taking too long?
Yes. Many borrowers use a private lender urgent option when bank timelines don’t match contract dates, especially for an urgent settlement.
5. How much can I borrow?
Subject to your security and scenario, you may be able to borrow up to $10million. We assess what’s sensible for the gap you’re bridging and the exit you’re relying on.
6. What do I need ready to avoid delays?
A clear explanation of the cash gap, property details, the required amount, and your exit plan. Fast outcomes usually come from clean information and decisive coordination.
How We Can Help
Secured Lending arranges caveat loans for a Short-Term Cash Gap with a clear focus on speed, structure, and certainty. We coordinate the loan around your timeline, confirm the property security, and align the terms to your exit so you can bridge short gaps between outgoing and incoming funds without losing momentum. 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.
