A short-term opportunity rarely waits for bank timelines. You might be looking at a time-sensitive property purchase, a discounted stock buy, a settlement that must happen on a fixed date, or a project that only stacks up if you can execute fast. In those moments, caveat loans for a short-term opportunity can give you the speed and certainty you need to act. Contact us today to discuss your scenario.
Why caveat loans suit time-sensitive opportunities
A caveat loan is a short-term secured loan backed by real property. The lender generally lodges a caveat on title, which is a notice that the property is being used as security. The reason this type of finance exists is simple: when speed matters, you need a process that prioritises execution.
Here’s where caveat finance fits a short-term opportunity especially well.
- Fast access to capital: when you need funding within 24 hours to secure a deal or meet a deadline.
- A practical option for urgent settlement: helpful when a contract is unconditional, penalty interest is looming, or settlement has to occur now, not “after approval”.
- Short-term flexibility: caveat loans are often structured as bridging finance, giving you time to refinance, complete a sale, or finish a value-add plan.
- You can capitalise on limited execution windows: the right deal can be won or lost in a week, sometimes in a day.
- Secured business loans can protect momentum: instead of pausing a project while waiting on bank credit, you keep control of the timeline.
Caveat finance isn’t designed to replace long-term funding. It’s designed to keep you moving when timing is the asset.
What a short-term opportunity looks like in the real world
If you’ve been operating long enough, you’ve seen these situations:
- You’ve negotiated a sharp purchase price, but the vendor wants a fast close.
- You need to release funds to complete a renovation or remediation before refinance.
- A business acquisition is viable only if you settle quickly and stabilise cash flow.
- You’re bridging between a purchase and the sale of another property.
- You have an emergency where delaying settlement creates a bigger cost than the interest.
In each case, the risk isn’t just “can you repay?”. The bigger risk is missing the window.
How Secured Lending helps you execute quickly and cleanly
Speed is only valuable when it’s controlled. Our role is to help you move quickly without creating avoidable issues later (like messy documentation, unclear payout paths, or a structure that makes refinancing harder).
Secured Lending is a Private Lender in Australia, and we’re a non bank business lender. We operate Australia wide across Sydney, Adelaide, Melbourne, Brisbane, Perth, Gold Coast, Canberra. We structure caveat loans and bridging solutions for borrowers who value certainty, clear steps, and fast outcomes.
We focus on timelines first, then structure
When you come to us with a short-term opportunity, we start with your execution window. That means we work backwards from the deadline and confirm what’s required to get to approval and settlement.
If you need fast, same day settlement, we will tell you early what is and isn’t realistic based on the property, the documents available, and the transaction complexity. If same-day isn’t feasible, we aim for the next best outcome: funding within 24 hours where possible.
We lend against property and keep the process practical
Caveat finance works because property security can be verified quickly. We coordinate the key steps that typically slow borrowers down: document collection, valuation approach (as required), and legal processing for the caveat and loan.
This is especially useful when you’re trying to secure a deal and you can’t afford delays caused by shifting bank policies, long credit queues, or slow settlement coordination.
We structure for your exit, not just the settlement
A caveat loan should have a clear plan for repayment. That might be a refinance, a sale, or funds being released from another event. We’ll review your likely exit and structure the term and repayments accordingly, so you’re not forced into a rushed refinance later.
Loan size and pricing clarity
Depending on your scenario and security, you may be able to borrow up to $10million. We also set expectations early on pricing and costs. In some cases, we can offer an interest rate starting at 9.2% p.a (your actual rate will depend on the deal profile, security, and timeframe).
When urgency is real, we act like it
If you’re searching for a private lender urgent option because you’ve got an urgent settlement or an emergency, you want a lender that can coordinate decisively. That’s what we do. We’ve facilitated over $500m of loans for urgent settlement needs, and we understand that the biggest value we provide is reducing friction when the clock is running.
What you can expect when you approach Secured Lending
Our process is built for speed and certainty:
- We review your goal, deadline, and security property.
- We confirm whether caveat finance is the right tool or whether a different short-term structure fits better.
- We outline the likely terms, fees, and timing, in plain language.
- We coordinate documentation and legal steps to settle efficiently.
- We keep the focus on your exit plan so the loan remains a bridge, not a burden.
FAQs
1. When does a caveat loan make sense for a short-term opportunity?
When the opportunity has a limited execution window and you need fast capital to secure it, especially where delay costs you the deal or creates penalty costs.
2. Can you really do same day settlement?
In some scenarios, yes. Same day settlement depends on how quickly documents can be produced, the security can be verified, and the legal process can be completed.
3. How fast can I receive funds?
Many borrowers use caveat finance because it can support funding within 24 hours in suitable circumstances, particularly when security and documents are straightforward.
4. What security do I need for secured business loans through Secured Lending?
Caveat loans are secured against residential or commercial property. The specific structure depends on the property, equity position, and your exit strategy. Learn more about a secured business loan here.
5. How much can I borrow and what rate should I expect?
You may be able to borrow up to $10million depending on your security and scenario. Rates can start from 9.2% p.a in some cases, with final pricing based on risk and term.
6. Do you operate across Australia?
Yes. Secured Lending is a Private Lender in Australia and operates Australia wide including Sydney, Adelaide, Melbourne, Brisbane, Perth, Gold Coast, Canberra.
How We Can Help
If you’re looking to capitalise on a short-term opportunity with a limited execution window, we’ll review your scenario, confirm what’s achievable, and structure a caveat loan or bridging loan that helps you move fast without losing control of the outcome. 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.
