A temporary liquidity shortfall can impact even the most well-managed businesses and households. You might be waiting on a settlement, a progress claim, a dividend, a refinance approval, or the sale of an asset that’s already under contract. The issue isn’t your long-term financial health—it’s the gap in the next few days or weeks. Contact us today if you need a fast solution.
Why Use Caveat Loans for a Temporary Liquidity Shortfall?
That’s where caveat loans for a temporary liquidity shortfall make sense. These loans are designed to cover brief cash gaps without the need for long-term refinancing, using property as security so you can move quickly.
At Secured Lending, we’ve advised and assisted borrowers through this exact scenario many times. We have facilitated over 500 strategic commercial loans, including time-sensitive transactions where speed and certainty matter. Secured Lending can help you move fast with a bridging loan for a temporary liquidity shortfall. Assess your scenario today.
What Is a Caveat Loan in Plain Terms?
A caveat loan is a short-term, property-secured loan where a caveat is lodged on the property title to protect the lender’s interest. In practice, it’s a fast way to access funds when you have equity in residential or commercial property and need money now, not after a lengthy bank process.
This is not a “forever” facility. It’s a short-term tool to get you through a temporary liquidity shortfall without locking you into a complex restructure.
When Caveat Finance Fits a Temporary Liquidity Shortfall
Caveat loans are commonly used to bridge timing gaps such as:
- Covering an urgent settlement when your incoming funds are locked in another transaction
- Paying a tax obligation, supplier invoice, or payroll event while receivables catch up
- Securing stock or materials for a time-sensitive opportunity
- Funding a deposit or progress payment while a refinance is underway
- Preventing a missed deadline that would trigger penalties or loss of a contract
The aim is simple: protect your position and keep momentum while your longer-term funds arrive.
Benefits of Caveat Loans for Temporary Liquidity Shortfall
If you’re dealing with a temporary liquidity shortfall, the main benefit is speed with a clear exit plan.
- Fast access to capital when timing is the real issue, not serviceability over 30 years
- Potential for same day settlement in the right scenario, and funding within 24 hours in many cases
- Designed for urgent settlement and time-critical payments
- Often more flexible than a traditional bank when you need a quick answer
- Allows you to avoid long-term refinancing just to cover a short gap
Used properly, caveat finance is a controlled, short-term solution—not a decision you “live with” for years.
Why Borrowers Come to Secured Lending for Gap Funding
When you’re managing a temporary liquidity shortfall, you don’t need a lecture. You need a lender who can assess the property, confirm the exit, and coordinate the legal steps quickly.
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 focus on secured business loan solutions and short-term lending where timing matters.
We’ve facilitated over 500 strategic commercial loans because we understand the pressure points: settlement windows, contract milestones, and the cost of delay.
How We Structure Caveat Loans to Stay Short Term
Speed is only useful if the structure is sound. When we review your request, we focus on the details that determine whether a caveat loan is the right fit for your temporary liquidity shortfall:
- The property offered as security and available equity
- The amount required and the exact use of funds
- The exit strategy, such as sale proceeds, refinance, or incoming funds with a clear timeline
- The urgency, including whether this is an emergency, private lender urgent request, or standard short-term bridging
- The settlement pathway, including coordination with solicitors and any existing mortgagee
This is how we keep the facility aligned to its purpose: bridging a short gap, not creating a long-term burden.
Speed and Certainty When Deadlines Are Real
If you’re facing an urgent settlement, the practical difference is how quickly the lender can make a decision and move to documentation.
At Secured Lending, we’re set up for fast outcomes. In suitable cases, we can coordinate same day settlement. More commonly, we work toward funding within 24 hours once due diligence and documents are in place. This is exactly why borrowers choose a non-bank lender when timing is tight.
We also understand discretion. Many borrowers simply want a clean solution that protects their commercial position without dragging the issue through a slow approval process.
Typical Loan Parameters You Can Plan Around
Every deal is assessed on its merits, but borrowers typically want clarity on limits and pricing early.
With Secured Lending, you may be able to borrow up to $10 million depending on the property, equity position, and exit strategy. Pricing varies by risk and structure, with an interest rate starting at 9.2% p.a for suitable scenarios.
The key is alignment: the loan amount and term should match the temporary liquidity shortfall and your exit timeline, not exceed it.
What Working with Secured Lending Looks Like
You’ll get a direct, practical process focused on decisioning and execution:
- We review your scenario, the property security, the amount required, and the deadline.
- We confirm a realistic exit strategy and identify any title or mortgage considerations early.
- We coordinate documentation and liaise with your solicitor to progress settlement.
- We move to funding as soon as conditions are satisfied, aiming to meet your deadline without noise.
This is why borrowers come back to us when timing is tight: we’re structured to arrange, confirm, and coordinate—quickly.
FAQs
Are caveat loans suitable if I only need funds for a few weeks?
Yes. They’re commonly used to cover a temporary liquidity shortfall where the exit is close, such as a pending sale or refinance.
Can you help if I need an urgent settlement tomorrow?
In the right circumstances, yes. We work on fast approvals and can coordinate same day settlement where feasible, otherwise funding within 24 hours is often achievable once documents are ready.
What can the funds be used for?
Common uses include urgent settlement gaps, tax payments, supplier invoices, stock purchases, project costs, and other time-sensitive commitments where a short bridge is appropriate.
Do you lend Australia wide?
Yes. Secured Lending operates Australia wide, including Sydney, Adelaide, Melbourne, Brisbane, Perth, Gold Coast, and Canberra.
How much can I borrow and what rate should I expect?
You may be able to borrow up to $10 million depending on security and exit. Pricing varies, with an interest rate starting at 9.2% p.a for suitable deals.
Is this a bank loan?
No. Secured Lending is a private lender in Australia and a non-bank lender, specialising in secured business loans and short-term solutions.
How We Can Help
If you’re dealing with a temporary liquidity shortfall, we’ll review your property security, confirm a clear exit, and structure a caveat loan that does what it’s meant to do: cover the gap quickly without forcing long-term refinancing. 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.
